Exchange Bank

545 Fourth Street
Santa Rosa, CA 95401

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8468
Date Established 1890
Assets $2.63 billion
Loans $1.47 billion
Deposits $2.35 billion
Capital $0.24 billion

Exchange Bank is an FDIC insured institution located in Santa Rosa, CA. It was founded in 1890 and has approximately $2.63 billion in assets. Customers can open an account at one of its 21 branches.

For a more detailed analysis of Exchange Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 24, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.18% $1 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.75% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.80% $100,000 - Learn MoreShow Less
1.01% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
1.06% $100,000 - Learn MoreShow Less
12 Mo CD
1.41% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.46% $100,000 - Learn MoreShow Less
1.41% $1,000 $99,999 Learn MoreShow Less
18 Mo CD
1.46% $100,000 - Learn MoreShow Less
1.56% $1,000 $99,999 Learn MoreShow Less
1.61% $100,000 $9,999,999 Learn MoreShow Less
24 Mo CD
1.66% $100,000 - Learn MoreShow Less
1.56% $1,000 $99,999 Learn MoreShow Less
1.61% $100,000 $9,999,999 Learn MoreShow Less
36 Mo CD
1.66% $100,000 - Learn MoreShow Less
1.66% $1,000 $99,999 Learn MoreShow Less
1.71% $100,000 $9,999,999 Learn MoreShow Less
48 Mo CD
1.77% $100,000 - Learn MoreShow Less
1.71% $1,000 $99,999 Learn MoreShow Less
1.77% $100,000 $9,999,999 Learn MoreShow Less
60 Mo CD
1.82% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.46% $250 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.85% $250 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.10% $1 $9,999 Learn MoreShow Less

Loan Rates - August 24, 2019

Your Current Location: Washington, WA 98101

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 3.92% 3.59% $733.55
4 Year 3.84% 3.59% $559.90
5 Year 3.79% 3.59% $455.80

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Exchange Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Exchange Bank Locations


Financial Details

Exchange Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Exchange Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Exchange Bank U.S. Bank Average
1.56% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Exchange Bank had $2,620,000 in non-current loans and $1,792,000 in owned real estate. To cover these potential losses it had $242,894,000 in equity and $39,578,000 in loans loss reserves. That gives it a Texas Ratio of 1.56%.

Return on Equity
Exchange Bank U.S. Bank Average
15.29% 9.47%

Exchange Bank has a Return on Equity of 15.29% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Exchange Bank U.S. Bank Average
9.22% 12.49%

Exchange Bank has a Capitalization of 9.22% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Exchange Bank Balance Sheet Analysis

As of March 31, 2019, Exchange Bank had assets of $2,633,093,000, loans of $1,469,159,000, and deposits of $2,345,295,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.18 billion
Interest-bearing balances $0.14 billion
Total securities $0.84 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.47 billion
Loan loss allowance $0.04 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.11 billion
     Total Assets $2.39 billion
LIABILITIES
Total deposits $2.35 billion
      Interest-bearing deposits $1.52 billion
      Deposits held in domestic offices $2.35 billion
      % insured (estimated) 72.61%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.04 billion
      Total Liabilities $2.39 billion
      Shareholders’ Equity $0.24 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in Exchange Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Exchange Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.48
Multifamily
Mortgages
7.80
Credit Card Loans 0.00
Consumer Auto Loans 0.12
Small Business Loans 8.50
Construction and Development Loans 3.38
Commercial Real Estate 42.71
Commercial and Industrial Loans 13.62
Farm Loans 0.58

Frequently Asked Questions About Exchange Bank

Branches and Savings

Is Exchange Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8468.

Why does Exchange Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Exchange Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Exchange Bank a commercial bank?

Yes

Where are Exchange Bank locations?

See branch locations nearby.

Is Exchange Bank open on Saturdays?

Is Exchange Bank open on Sundays?

What time does Exchange Bank open?

What time does Exchange Bank close?

Are Exchange Bank ATMs Open 24/7?

Do Exchange Bank ATMs accept cash deposits?

Can Exchange Bank customers use other ATMs?

Do Exchange Bank branches have notaries?

Will Exchange Bank notarize my document?

What address for Exchange Bank should I put for incoming ACH transfers?

Will the Exchange Bank branch print checks?

Do Exchange Bank checks expire?

Does Exchange Bank require US citizenship to open account?

Can Exchange Bank close my account?

Does Exchange Bank Report to credit bureaus?

Does Exchange Bank Use Equifax?

What is Exchange Bank's ACH Routing Number?

What is Exchange Bank's SWIFT code?

Products

Does Exchange Bank offer mortgages?

Compare mortgage rates here.

Does Exchange Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Exchange Bank offer personal loans?

Compare personal loan rates here.

Does Exchange Bank offer student loans?

Will Exchange Bank cash a check?

Will Exchange Bank redeem a savings bond?

Does Exchange Bank cash savings bonds?

Will Exchange Bank cash money orders?

Can Exchange Bank issue a money order?

Does Exchange Bank do currency exchange?

Background on The Bank

Who owns Exchange Bank?

How long has Exchange Bank been around?

Can Exchange Bank transfer to other banks?

Does Exchange Bank have quick pay?

Does Exchange Bank accept rolled coins?

Will Exchange Bank accept loose change?

Where is Exchange Bank headquarters?

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