Exchange Bank (CA)

Overview / Commentary

www.exchangebank.com

707-524-3301

545 Fourth Street
Santa Rosa, CA 95401

Exchange Bank (CA) is headquartered in Santa Rosa and is the 36^th largest bank in the state of California. It is also the 340^th largest bank in the nation. It was established in 1890 and as of June of 2022, it had grown to 372 employees at 19 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 Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	8468
Year Established	1890
Employees	372
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.01%
Return on Equity - YTD	12.92%
Annual Interest Income	$47.7MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$3.48B$3.43B
Loans	Q2 2022vs Q2 2021	$1.48B$1.63B
Deposits	Q2 2022vs Q2 2021	$3.20B$3.08B
Equity Capital	Q2 2022vs Q2 2021	$236.3MM$309.0MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$43.9MM$43.8MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$3.8MM$6.5MM
Real Estate Owned	Q2 2022vs Q2 2021	$0$40.00K

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
0.13%^*	$500k^*	-	Signature-Plus Savings w/ Premier Plus Checking - Platinum
OTHER TIERS: 0.07% → Up to $25k \| 0.09% → $25k - $100k \| 0.10% → $100k - $250k \| 0.11% → $250k - $500k
0.12%^*	$500k^*	-	Signature-Plus Savings w/ Premier Plus Checking - Gold
OTHER TIERS: 0.06% → Up to $25k \| 0.08% → $25k - $100k \| 0.09% → $100k - $250k \| 0.10% → $250k - $500k
0.11%^*	$500k^*	-	Signature-Plus Savings w/ Premier Plus Checking - Silver
OTHER TIERS: 0.05% → Up to $25k \| 0.07% → $25k - $100k \| 0.08% → $100k - $250k \| 0.09% → $250k - $500k
0.10%^*	$500k^*	-	Signature-Plus Savings
OTHER TIERS: 0.04% → Up to $25k \| 0.06% → $25k - $100k \| 0.07% → $100k - $250k \| 0.08% → $250k - $500k
0.06%	$100	-	Regular Savings w/ Premier Plus Checking - Platinum
0.06%	-	-	MyCash Savings w/ Premier Plus Checking - Platinum
0.05%	$100	-	Regular Savings w/ Premier Plus Checking - Gold
0.05%	-	-	MyCash Savings w/ Premier Plus Checking - Gold
0.04%	$100	-	Regular Savings w/ Premier Plus Checking - Silver
0.04%	-	-	MyCash Savings w/ Premier Plus Checking - Silver
0.03%	$100	-	Regular Savings
0.03%	-	-	MyCash Savings
0.03%	-	-	Business Savings
0.03%	-	-	Public Funds Savings

Exchange Bank (CA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.21%^*	$100k^*	-	Personal Money Market w/ Premier Plus Checking - Platinum
OTHER TIERS: 0.12% → Up to $10k \| 0.19% → $10k - $50k \| 0.20% → $50k - $100k
0.20%^*	$500k^*	-	Business Money Market
OTHER TIERS: 0.09% → Up to $10k \| 0.16% → $10k - $50k \| 0.17% → $50k - $100k \| 0.18% → $100k - $500k
0.20%^*	$100k^*	-	Personal Money Market w/ Premier Plus Checking - Gold
OTHER TIERS: 0.11% → Up to $10k \| 0.18% → $10k - $50k \| 0.19% → $50k - $100k
0.20%^*	$500k^*	-	Public Funds Money Market
OTHER TIERS: 0.09% → Up to $10k \| 0.16% → $10k - $50k \| 0.17% → $50k - $100k \| 0.18% → $100k - $500k
0.19%^*	$100k^*	-	Personal Money Market w/ Premier Plus Checking - Silver
OTHER TIERS: 0.10% → Up to $10k \| 0.17% → $10k - $50k \| 0.18% → $50k - $100k
0.18%^*	$100k^*	-	Personal Money Market
OTHER TIERS: 0.09% → Up to $10k \| 0.16% → $10k - $50k \| 0.17% → $50k - $100k

Exchange Bank (CA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$500k^*	-	Premier Plus Checking
OTHER TIERS: 0.02% → Up to $10k \| 0.03% → $10k - $50k \| 0.04% → $50k - $100k \| 0.07% → $100k - $250k \| 0.09% → $250k - $500k
0.10%^*	$500k^*	-	Non-Profit Interest Checking
OTHER TIERS: 0.02% → Up to $50k \| 0.04% → $50k - $100k \| 0.07% → $100k - $250k \| 0.09% → $250k - $500k
0.10%^*	$500k^*	-	Public Funds Interest Checking
OTHER TIERS: 0.02% → Up to $50k \| 0.04% → $50k - $100k \| 0.07% → $100k - $250k \| 0.09% → $250k - $500k
0.10%^*	$500k^*	-	Sole Proprietor Interest Checking
OTHER TIERS: 0.02% → Up to $50k \| 0.04% → $50k - $100k \| 0.07% → $100k - $250k \| 0.09% → $250k - $500k
0.10%^*	$500k^*	-	State Bar Checking
OTHER TIERS: 0.02% → Up to $50k \| 0.04% → $50k - $100k \| 0.07% → $100k - $250k \| 0.09% → $250k - $500k

Exchange Bank (CA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.68%^*	$100k^*	-	12 Month CD
OTHER TIERS: 0.67% → $1k - $100k
0.68%^*	$100k^*	-	Business 12 Month CD
OTHER TIERS: 0.67% → $1k - $100k
0.67%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.66% → $1k - $100k
0.67%^*	$100k^*	-	15 Month Flex CD
OTHER TIERS: 0.66% → $1k - $100k
0.67%^*	$100k^*	-	Business 6 Month CD
OTHER TIERS: 0.66% → $1k - $100k
0.67%^*	$100k^*	-	Business 15 Month Flex CD
OTHER TIERS: 0.66% → $1k - $100k
0.40%^*	$100k^*	-	18 Month CD
OTHER TIERS: 0.39% → $1k - $100k
0.40%^*	$100k^*	-	Business 18 Month CD
OTHER TIERS: 0.39% → $1k - $100k
0.36%^*	$100k^*	-	5 Year CD
OTHER TIERS: 0.35% → $1k - $100k
0.36%^*	$100k^*	-	Business 5 Year CD
OTHER TIERS: 0.35% → $1k - $100k
0.31%^*	$100k^*	-	2 Year CD
OTHER TIERS: 0.30% → $1k - $100k
0.31%^*	$100k^*	-	4 Year CD
OTHER TIERS: 0.30% → $1k - $100k
0.31%^*	$100k^*	-	Business 2 Year CD
OTHER TIERS: 0.30% → $1k - $100k
0.31%^*	$100k^*	-	Business 4 Year CD
OTHER TIERS: 0.30% → $1k - $100k
0.26%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.25% → $1k - $100k
0.26%^*	$100k^*	-	Business 3 Month CD
OTHER TIERS: 0.25% → $1k - $100k
0.23%^*	$100k^*	-	3 Year CD
OTHER TIERS: 0.22% → $1k - $100k
0.23%^*	$100k^*	-	Business 3 Year CD
OTHER TIERS: 0.22% → $1k - $100k

Exchange Bank (CA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.68%	$250	-	1 Year Fixed Rate IRA
0.67%	$250	-	6 Month Fixed Rate IRA
0.31%	$1k	-	2 Year Fixed Rate IRA
0.31%	$1k	-	4 Year Fixed Rate IRA
0.29%	$250	-	12 - 18 Month Variable Rate IRA
0.23%	$1k	-	3 Year Fixed Rate IRA