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 37^th largest bank in the state of California. It is also the 336^th largest bank in the nation. It was established in 1890 and as of September of 2021, 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 Q3 2021

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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	1.06%
Return on Equity - YTD	11.48%
Annual Interest Income	$71.8MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$3.54B$3.04B
Loans	Q3 2021vs Q3 2020	$1.55B$1.78B
Deposits	Q3 2021vs Q3 2020	$3.17B$2.69B
Equity Capital	Q3 2021vs Q3 2020	$316.1MM$298.1MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$43.6MM$40.4MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$6.8MM$11.0MM
Real Estate Owned	Q3 2021vs Q3 2020	$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
0.11%^*	$100k^*	-	Personal Money Market w/ Premier Plus Checking - Platinum
OTHER TIERS: 0.07% → Up to $10k \| 0.09% → $10k - $50k \| 0.10% → $50k - $100k
0.10%^*	$500k^*	-	Business Money Market
OTHER TIERS: 0.04% → Up to $10k \| 0.06% → $10k - $50k \| 0.07% → $50k - $100k \| 0.08% → $100k - $500k
0.10%^*	$100k^*	-	Personal Money Market w/ Premier Plus Checking - Gold
OTHER TIERS: 0.06% → Up to $10k \| 0.08% → $10k - $50k \| 0.09% → $50k - $100k
0.10%^*	$500k^*	-	Public Funds Money Market
OTHER TIERS: 0.04% → Up to $10k \| 0.06% → $10k - $50k \| 0.07% → $50k - $100k \| 0.08% → $100k - $500k
0.09%^*	$100k^*	-	Personal Money Market w/ Premier Plus Checking - Silver
OTHER TIERS: 0.05% → Up to $10k \| 0.07% → $10k - $50k \| 0.08% → $50k - $100k
0.08%^*	$100k^*	-	Personal Money Market
OTHER TIERS: 0.04% → Up to $10k \| 0.06% → $10k - $50k \| 0.07% → $50k - $100k

Exchange Bank (CA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.09%^*	$500k^*	-	Premier Plus Checking
OTHER TIERS: 0.02% → Up to $10k \| 0.03% → $10k - $50k \| 0.04% → $50k - $100k \| 0.06% → $100k - $250k \| 0.08% → $250k - $500k
0.09%^*	$500k^*	-	Non-Profit Interest Checking
OTHER TIERS: 0.02% → Up to $50k \| 0.04% → $50k - $100k \| 0.06% → $100k - $250k \| 0.08% → $250k - $500k
0.09%^*	$500k^*	-	Public Funds Interest Checking
OTHER TIERS: 0.02% → Up to $50k \| 0.04% → $50k - $100k \| 0.06% → $100k - $250k \| 0.08% → $250k - $500k
0.09%^*	$500k^*	-	Sole Proprietor Interest Checking
OTHER TIERS: 0.02% → Up to $50k \| 0.04% → $50k - $100k \| 0.06% → $100k - $250k \| 0.08% → $250k - $500k
0.09%^*	$500k^*	-	State Bar Checking
OTHER TIERS: 0.02% → Up to $50k \| 0.04% → $50k - $100k \| 0.06% → $100k - $250k \| 0.08% → $250k - $500k

Exchange Bank (CA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.31%^*	$100k^*	-	5 Year CD
OTHER TIERS: 0.30% → $1k - $100k
0.31%^*	$100k^*	-	Business 5 Year CD
OTHER TIERS: 0.30% → $1k - $100k
0.26%^*	$100k^*	-	4 Year CD
OTHER TIERS: 0.25% → $1k - $100k
0.26%^*	$100k^*	-	Business 4 Year CD
OTHER TIERS: 0.25% → $1k - $100k
0.18%^*	$100k^*	-	3 Year CD
OTHER TIERS: 0.17% → $1k - $100k
0.18%^*	$100k^*	-	Business 3 Year CD
OTHER TIERS: 0.17% → $1k - $100k
0.16%^*	$100k^*	-	2 Year CD
OTHER TIERS: 0.15% → $1k - $100k
0.16%^*	$100k^*	-	Business 2 Year CD
OTHER TIERS: 0.15% → $1k - $100k
0.15%^*	$100k^*	-	18 Month CD
OTHER TIERS: 0.14% → $1k - $100k
0.15%^*	$100k^*	-	Business 18 Month CD
OTHER TIERS: 0.14% → $1k - $100k
0.13%^*	$100k^*	-	12 Month CD
OTHER TIERS: 0.12% → $1k - $100k
0.13%^*	$100k^*	-	Business 12 Month CD
OTHER TIERS: 0.12% → $1k - $100k
0.12%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.11% → $1k - $100k
0.12%^*	$100k^*	-	15 Month Flex CD
OTHER TIERS: 0.11% → $1k - $100k
0.12%^*	$100k^*	-	Business 6 Month CD
OTHER TIERS: 0.11% → $1k - $100k
0.12%^*	$100k^*	-	Business 15 Month Flex CD
OTHER TIERS: 0.11% → $1k - $100k
0.11%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.10% → $1k - $100k
0.11%^*	$100k^*	-	Business 3 Month CD
OTHER TIERS: 0.10% → $1k - $100k

Exchange Bank (CA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.26%	$1k	-	4 Year Fixed Rate IRA
0.18%	$1k	-	3 Year Fixed Rate IRA
0.16%	$1k	-	2 Year Fixed Rate IRA
0.13%	$250	-	1 Year Fixed Rate IRA
0.12%	$250	-	6 Month Fixed Rate IRA
0.04%	$250	-	12 - 18 Month Variable Rate IRA