Exchange Bank is a state-chartered bank headquartered in Santa Rosa, California, in business for about 136 years. At the end of Q2 2026 it reported $3.2B in total assets and $2.8B in deposits, with 21 offices.
Based on its Q2 2026 filing, Exchange Bank scores 77/100, which we describe as strong. That is higher than 83% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 28th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (56/100; 0.91%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 72 |
| Q4 2024 | 70 |
| Q1 2025 | 70 |
| Q2 2025 | 76 |
| Q3 2025 | 78 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.89% |
| Q3 2024 | 10.90% |
| Q4 2024 | 11.07% |
| Q1 2025 | 11.53% |
| Q2 2025 | 11.67% |
| Q3 2025 | 11.81% |
| Q4 2025 | 11.86% |
| Q1 2026 | 12.34% |
| Q2 2026 | 12.64% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.86% |
| Q2 2026 | 0.55% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.68% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.86% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.91% |
| Q2 2026 | 0.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $3.2B | 12.64% | 0.55% | 0.91% | 62.7% |
| Q1 2026 | 73 | $3.3B | 12.34% | 0.86% | 0.91% | 60.4% |
| Q4 2025 | 72 | $3.3B | 11.86% | 0.92% | 0.91% | 59.0% |
| Q3 2025 | 78 | $3.3B | 11.81% | 0.17% | 0.86% | 57.9% |
| Q2 2025 | 76 | $3.3B | 11.67% | 0.32% | 0.77% | 55.7% |
| Q1 2025 | 70 | $3.3B | 11.53% | 0.75% | 0.68% | 54.6% |
| Q4 2024 | 70 | $3.3B | 11.07% | 0.69% | 0.71% | 55.9% |
| Q3 2024 | 72 | $3.4B | 10.90% | 0.37% | 0.60% | 55.4% |
| Q2 2024 | 73 | $3.3B | 10.89% | 0.25% | 0.61% | 56.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Coast Community BankBank Santa Cruz, CA | 75 out of 100, Strong | $2.9B | 12.0% | 0.50% | vs |
| PCB BankBank Los Angeles, CA | 70 out of 100, Strong | $3.5B | 11.5% | 0.30% | vs |
| Open BankBank Los Angeles, CA | 47 out of 100, Below average | $2.7B | 10.1% | 2.09% | vs |
| CalPrivate BankBank La Jolla, CA | 65 out of 100, Moderate | $2.7B | 11.5% | 1.26% | vs |
| AvidbankBank San Jose, CA | 70 out of 100, Strong | $2.7B | 12.0% | 0.65% | vs |
| Bank of the SierraBank Porterville, CA | 77 out of 100, Strong | $3.7B | 12.2% | 0.43% | vs |
Deposit insurance
Is my money safe at Exchange Bank?
Yes. Exchange Bank is an FDIC-insured institution (FDIC certificate #8468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.9% of deposits ($711.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.23% (benchmark: 10%).
21 locations
Branches
Exchange Bank lists 18 offices in 11 cities. Most locations:
- Santa Rosa, CA (7)
- Petaluma, CA (2)
- Cloverdale, CA (1)
- Cotati, CA (1)
- Healdsburg, CA (1)
- Rohnert Park, CA (1)
- Roseville, CA (1)
- San Rafael, CA (1)
- Sebastopol, CA (1)
- Sonoma, CA (1)
- Windsor, CA (1)
HMDA 2025
Mortgage lending
In 2025, Exchange Bank reported 65 home-loan applications under HMDA (LEI 5493006Y2YCT81BVTL57): 35 originated ($49,105,000 total), 13 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Exchange Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8468
- RSSD ID
- 507068
- Primary regulator
- FDIC
- Holding company
- Frank P Doyle Trust Article Ix
- Established
- May 1, 1890
- Headquarters
- 545 4th St, Santa Rosa, CA 95401
- Website
- www.exchangebank.com
- Employees
- 354
Quick answers
Exchange Bank: common questions
Is Exchange Bank FDIC insured?
Yes. Exchange Bank is an FDIC-insured institution (FDIC certificate #8468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Exchange Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Exchange Bank ever failed?
There is no failure record for FDIC certificate #8468 in the FDIC failed bank list.
How many branches does Exchange Bank have?
21 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Santa Rosa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Sonoma Federal Credit UnionCredit union Santa Rosa, CA | 83 out of 100, Strong | $80.0M | 13.5% | 0.63% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |
| Westamerica BankBank San Rafael, CA | 78 out of 100, Strong | $5.8B | 10.3% | 0.12% | vs |
| Redwood Credit UnionCredit union Santa Rosa, CA | 78 out of 100, Strong | $10.7B | 13.3% | 0.72% | vs |
| Tri Counties BankBank Chico, CA | 70 out of 100, Strong | $9.9B | 12.0% | 0.94% | vs |