Exchange Bank
Santa Rosa, CA
IDRSSD: 507068
Total Assets
$3.30B
Latest filing
Total Deposits
$2.88B
Latest filing
Net Interest Margin
3.13%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Exchange Bank
545 4th St
Santa Rosa, CA 95401
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/1890FDIC Certificate 5386
Branches (20)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Exchange Bank (Main) | 545 4th St | Santa Rosa, CA |
| CLOVERDALE BRANCH | 116 S Cloverdale Blvd | Cloverdale, CA |
| WINDSOR BRANCH | 8700 Lakewood Dr | Windsor, CA |
| COTATI BRANCH | 590 A East Cotati Avenue | Cotati, CA |
| ROHNERT PARK BRANCH | 6290 Commerce Blvd | Rohnert Park, CA |
| REINKING BRANCH | 2416 Montgomery Dr | Santa Rosa, CA |
| ST. FRANCIS BRANCH | 136 Calistoga Rd | Santa Rosa, CA |
| LARKFIELD BRANCH | 500 Larkfield Ctr | Santa Rosa, CA |
Showing 7 of 20
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/01/1890 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 95401 |
| State and County Number | 06097 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Santa Rosa-Petaluma, CA |
Operational Info
| Number of Employees | 351 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.exchangebank.com |
| Data Updated | 01/30/2026 |
| CERT | 8468 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.30B |
| Total Deposits | $2.88B |
| Total Liabilities | $2.96B |
| Total Equity Capital | $346.73M |
| Net Income | $8.76M |
| Net Loans and Leases | $1.70B |
| Assets Per Employee ($Millions) | $9.23M |
| Bank Premises and Fixed Assets | $23.77M |
| Cash and Balances due from Depository Institutions | $188.06M |
| Deposits Held in Domestic Offices | $2.88B |
Key Performance Ratios
| Return on Assets (ROA) | 1.06% |
| Return on Equity (ROE) | 10.31% |
| Net Interest Margin | 3.13% |
| Efficiency Ratio | 66.32% |
| Tier 1 Risk-Based Capital Ratio | 18.46% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.494% |
| Earning Assets to total Assets | 92.69% |
Income and Expense
| Total Interest Income | $33.37M |
| Total Noninterest Income | $6.37M |
| Total Interest Expense | $9.38M |
| Total Noninterest Expense | $20.14M |
| Net Interest Income | $23.99M |
| Pre-tax Net Operating Income | $10.23M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $46.61M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $35.34M |
| Total Liabilities and Capital | $3.30B |
Securities
| Securities | $1.21B |
| Available-for-sale debt securities | $1.21B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Exchange Bank?
$3.30B as of the latest filing.
How much are Exchange Bank's total deposits?
$2.88B in total deposits.
Where is Exchange Bank located?
Santa Rosa, CA.
What is the Net Interest Margin?
3.13%.
How many domestic offices does it operate?
21.
When was it established?
05/01/1890.
What is the Return on Assets (ROA)?
1.06%.
How much are total loans and leases?
$1.70B (latest filing).
What is the total interest income (latest filing)?
$33.37M.