Exchange Bank
Total assets
$3.19B
▼ -2.6% YoY
Deposits
$2.75B
▼ -4.2% YoY
Loans
$1.72B
▲ +7.7% YoY
Offices
21
FRANK P DOYLE TRUST ARTICLE IX
ROA (annualized)
0.91%
peers 1.26%
ROE (annualized)
8.44%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +5.5% | -8.1 pts |
| Deposit growth (YoY) | -4.2% | +5.1% | -9.3 pts |
| Loan growth (YoY) | +7.7% | +5.9% | +1.8 pts |
| ROA | 0.91% | 1.26% | -0.4 pts |
| ROE | 8.4% | 12.2% | -3.7 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
Profile
- Established
- 1890
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FRANK P DOYLE TRUST ARTICLE IX
- Specialization
- Commercial Lending Specialization
- Address
- 545 4th St, Santa Rosa, CA, 95401
- County
- Sonoma
- Metro area
- Santa Rosa-Petaluma, CA
- Offices
- 21
- FDIC cert #
- 8468
- RSSD ID
- 507068
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.19B | $2.75B | $1.72B | $355.4M | $14.8M | 0.91% | 3.24% | 0.45% |
| Q1 2026 | $3.27B | $2.84B | $1.71B | $350.1M | $7.5M | 0.91% | 3.21% | 0.46% |
| Q4 2025 | $3.30B | $2.88B | $1.70B | $346.7M | $30.0M | 0.91% | 2.98% | 0.48% |
| Q3 2025 | $3.31B | $2.89B | $1.67B | $332.7M | $21.2M | 0.86% | 2.92% | 0.09% |
| Q2 2025 | $3.27B | $2.87B | $1.60B | $316.4M | $12.7M | 0.77% | 2.86% | 0.16% |
| Q1 2025 | $3.27B | $2.89B | $1.58B | $301.1M | $5.6M | 0.68% | 2.75% | 0.37% |
| Q4 2024 | $3.30B | $2.83B | $1.58B | $280.8M | $23.9M | 0.71% | 2.63% | 0.34% |
| Q3 2024 | $3.41B | $2.82B | $1.56B | $293.9M | $15.0M | 0.60% | 2.61% | 0.18% |
Loan mix (Q2 2026): real estate $1.57B · commercial $120.2M · consumer $42.9M · securities $1.13B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.26% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.2% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.70% | 23th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 59.0% | 73th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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