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Exchange Bank
Santa Rosa, CA · FDIC Certificate #8468 · Chartered 05/0
Total assets
$3.19B
Total deposits
$2.75B
Total equity
$355.41M
Net loans
$1.72B
Branches (offices)
19
Net income (YTD)
$14.80M
Rank: #403 of 4,213 U.S. banks by assets · #33 of 115 in California. Assets changed -2.6% and deposits -4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 8.44% |
| Net interest margin (YTD) | 3.24% |
| Equity to assets | 11.16% |
| Tier 1 leverage ratio | 12.64% |
| Uninsured deposits (share of deposits) | 25.9% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | 0.52% |
| Loans to deposits | 62.7% |
| Real estate loans (share of loans) | 91.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.57B | 91.0% | |
| Commercial & industrial | $120.23M | 7.0% | |
| Consumer / individual | $42.86M | 2.5% | |
| Construction & development | $41.44M | 2.4% | |
| Agricultural | $21.18M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.48B | $3.20B | $17.78M | $236.30M |
| Jun 2023 | $3.32B | $2.84B | $7.08M | $220.02M |
| Jun 2024 | $3.31B | $2.78B | $10.10M | $257.08M |
| Jun 2025 | $3.27B | $2.87B | $12.66M | $316.42M |
| Jun 2026 | $3.19B | $2.75B | $14.80M | $355.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $2.75B | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.75B.
Similar-sized banks
First Citizens Community Bank ($3.19B) · Bank Of Greene ($3.18B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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