Exchange Bank
Santa Rosa, CA · Cert 8468 · Peer group: banks $1B-$10B in assets (n=322-328) · Frank P Doyle Trust Article Ix
State charter, non-member · FDIC · 19 branches
Q2 2026
$3.2BAssets
$1.8BLoans
$2.8BDeposits
$355.4MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 89% of banks $1B-$10B in assets (rank 36 of 328).
- Widest gap: net charge-offs / loans trails 89% of banks $1B-$10B in assets (rank 287 of 322).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.93%
Rank 244 of 328
Net Interest Margin
2.98%
Rank 254 of 328
Efficiency Ratio
67.31%
Rank 245 of 328
Equity / Assets
11.16%
Rank 123 of 328
Non-interest income vs. expense
Unfavorable gap of $57.3M · efficiency ratio beats 26% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.91% | 1.22% | 1.52% | Beats 26% | 244 / 328 | |
| Return on Equity | 8.33% | 8.43% | 11.45% | 14.43% | Beats 24% | 249 / 328 | |
| Net Interest Margin | 2.98% | 3.03% | 3.45% | 3.83% | Beats 23% | 254 / 328 | |
| Efficiency Ratio | 67.31% | 51.61% | 59.56% | 67.53% | Beats 26% | 245 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.24% | 0.51% | 1.03% | Beats 47% | 171 / 322 | |
| Net Charge-Offs / Loans | 0.26% | 0.01% | 0.03% | 0.10% | Beats 11% | 287 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 18.98% | 11.75% | 13.15% | 15.47% | Beats 88% | 39 / 328 | |
| Total Risk-Based Capital Ratio | 20.23% | 12.63% | 14.15% | 16.46% | Beats 89% | 36 / 328 | |
| Equity / Assets | 11.16% | 9.15% | 10.33% | 12.01% | Beats 63% | 123 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 63.79% | 76.63% | 87.92% | 95.36% | 9th pctl | 294 / 323 | |
| Loans / Assets | 55.08% | 65.18% | 74.15% | 79.98% | 12th pctl | 289 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |