Exchange Bank (CA)

Overview / Commentary

www.exchangebank.com

707-524-3000

545 Fourth Street
Santa Rosa, CA 95401

Exchange Bank (CA) is headquartered in Santa Rosa and is the 34^th largest bank in the state of California. It is also the 343^rd largest bank in the nation. It was established in 1890 and as of December of 2019, it had grown to 414 employees at 20 locations. Exchange Bank (CA) has an A health rating.

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2016

8/12 - $100 Checking Account Bonus In Northern CA

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	8468
Year Established	1890
Employees	414
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.39%
Return on Equity - YTD	14.47%
Annual Interest Income	$101.6MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$2.67B$2.65B
Loans	Q4 2019vs Q4 2018	$1.54B$1.47B
Deposits	Q4 2019vs Q4 2018	$2.36B$2.38B
Equity Capital	Q4 2019vs Q4 2018	$270.8MM$231.6MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$39.9MM$39.9MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$2.6MM$4.0MM
Real Estate Owned	Q4 2019vs Q4 2018	$40.00K$1.0MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Exchange Bank (CA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$500k^*	-	Signature-Plus Savings w/ Premier Plus Checking - Platinum
OTHER TIERS: 0.10% → Up to $25k \| 0.13% → $25k - $100k \| 0.15% → $100k - $250k \| 0.18% → $250k - $500k
0.19%^*	$500k^*	-	Signature-Plus Savings w/ Premier Plus Checking - Gold
OTHER TIERS: 0.09% → Up to $25k \| 0.12% → $25k - $100k \| 0.14% → $100k - $250k \| 0.17% → $250k - $500k
0.18%^*	$500k^*	-	Signature-Plus Savings w/ Premier Plus Checking - Silver
OTHER TIERS: 0.08% → Up to $25k \| 0.11% → $25k - $100k \| 0.13% → $100k - $250k \| 0.16% → $250k - $500k
0.17%^*	$500k^*	-	Signature-Plus Savings
OTHER TIERS: 0.07% → Up to $25k \| 0.10% → $25k - $100k \| 0.12% → $100k - $250k \| 0.15% → $250k - $500k
0.08%	$100	-	Regular Savings w/ Premier Plus Checking - Platinum
0.08%	-	-	MyCash Savings w/ Premier Plus Checking - Platinum
0.07%	$100	-	Regular Savings w/ Premier Plus Checking - Gold
0.07%	-	-	My Cash Savings w/ Premier Plus Checking - Gold
0.06%	$100	-	Regular Savings w/ Premier Plus Checking - Silver
0.06%	-	-	MyCash Savings w/ Premier Plus Checking - Silver
0.05%	$100	-	Regular Savings
0.05%	-	-	MyCash Savings
0.05%	-	-	Business Savings

Exchange Bank (CA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.18%^*	$500k^*	-	Business Money Market
OTHER TIERS: 0.07% → Up to $10k \| 0.10% → $10k - $100k \| 0.12% → $100k - $250k \| 0.15% → $250k - $500k
0.15%^*	$100k^*	-	Money Market Investment w/ Premier Plus Checking - Platinum
OTHER TIERS: 0.10% → Up to $10k \| 0.13% → $10k - $100k
0.14%^*	$100k^*	-	Money Market Investment w/ Premier Plus Checking - Gold
OTHER TIERS: 0.09% → Up to $10k \| 0.12% → $10k - $100k
0.13%^*	$100k^*	-	Money Market Investment w/ Premier Plus Checking - Silver
OTHER TIERS: 0.08% → Up to $10k \| 0.11% → $10k - $100k
0.12%^*	$100k^*	-	Money Market Investment
OTHER TIERS: 0.07% → Up to $10k \| 0.10% → $10k - $100k

Exchange Bank (CA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.13%^*	$250k^*	-	Premier Plus Checking
OTHER TIERS: 0.03% → Up to $10k \| 0.04% → $10k - $50k \| 0.05% → $50k - $100k \| 0.08% → $100k - $250k
0.13%^*	$250k^*	-	Business Checking Plus Interest
OTHER TIERS: 0.03% → Up to $50k \| 0.05% → $50k - $100k \| 0.08% → $100k - $250k

Exchange Bank (CA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.47%^*	$100k^*	-	5 Year CD
OTHER TIERS: 0.45% → $1k - $100k
0.47%^*	$100k^*	-	Business 5 Year CD
OTHER TIERS: 0.45% → $1k - $100k
0.42%^*	$100k^*	-	4 Year CD
OTHER TIERS: 0.40% → $1k - $100k
0.42%^*	$100k^*	-	Business 4 Year CD
OTHER TIERS: 0.40% → $1k - $100k
0.32%^*	$100k^*	-	3 Year CD
OTHER TIERS: 0.30% → $1k - $100k
0.32%^*	$100k^*	-	Business 3 Year CD
OTHER TIERS: 0.30% → $1k - $100k
0.27%^*	$100k^*	-	2 Year CD
OTHER TIERS: 0.25% → $1k - $100k
0.27%^*	$100k^*	-	Business 2 Year CD
OTHER TIERS: 0.25% → $1k - $100k
0.24%^*	$100k^*	-	18 Month CD
OTHER TIERS: 0.22% → $1k - $100k
0.24%^*	$100k^*	-	Business 18 Month CD
OTHER TIERS: 0.22% → $1k - $100k
0.22%^*	$100k^*	-	12 Month CD
OTHER TIERS: 0.20% → $1k - $100k
0.22%^*	$100k^*	-	15 Month Flex CD
OTHER TIERS: 0.20% → $1k - $100k
0.22%^*	$100k^*	-	Business 12 Month CD
OTHER TIERS: 0.20% → $1k - $100k
0.22%^*	$100k^*	-	Business 15 Month Flex CD
OTHER TIERS: 0.20% → $1k - $100k
0.14%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.12% → $1k - $100k
0.14%^*	$100k^*	-	Business 6 Month CD
OTHER TIERS: 0.12% → $1k - $100k
0.12%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.10% → $1k - $100k
0.12%^*	$100k^*	-	Business 3 Month CD
OTHER TIERS: 0.10% → $1k - $100k

Exchange Bank (CA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.42%	$1k	-	4 Year Fixed Rate IRA
0.32%	$1k	-	3 Year Fixed Rate IRA
0.27%	$1k	-	2 Year Fixed Rate IRA
0.22%	$250	-	1 Year Fixed Rate IRA
0.14%	$250	-	6 Month Fixed Rate IRA
0.07%	$250	-	12 - 18 Month Variable Rate IRA