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 350^th largest bank in the nation. It was established in 1890 and as of September of 2019, it had grown to 415 employees at 20 locations. Exchange Bank (CA)'s CD rates are 40% higher than the national average, and it 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 2019

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Health Grade Components

Overall
FDIC Certificate #	8468
Year Established	1890
Employees	415
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.4%
Return on Equity - YTD	14.77%
Annual Interest Income	$76.5MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$2.61B$2.61B
Loans	Q3 2019vs Q3 2018	$1.54B$1.46B
Deposits	Q3 2019vs Q3 2018	$2.30B$2.36B
Equity Capital	Q3 2019vs Q3 2018	$262.1MM$220.5MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$39.6MM$39.4MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$3.3MM$5.2MM
Real Estate Owned	Q3 2019vs Q3 2018	$40.00K$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
0.43%^*	$250k^*	-	Signature-Plus Savings w/ Premier Plus Checking - Platinum
OTHER TIERS: 0.23% → Up to $25k \| 0.28% → $25k - $100k \| 0.33% → $100k - $250k
0.40%^*	$250k^*	-	Signature-Plus Savings w/ Premier Plus Checking - Gold
OTHER TIERS: 0.20% → Up to $25k \| 0.25% → $25k - $100k \| 0.30% → $100k - $250k
0.38%^*	$250k^*	-	Signature-Plus Savings w/ Premier Plus Checking - Silver
OTHER TIERS: 0.18% → Up to $25k \| 0.23% → $25k - $100k \| 0.28% → $100k - $250k
0.35%^*	$250k^*	-	Signature-Plus Savings
OTHER TIERS: 0.15% → Up to $25k \| 0.20% → $25k - $100k \| 0.25% → $100k - $250k
0.18%	$100	-	Regular Savings w/ Premier Plus Checking - Platinum
0.18%	-	-	MyCash Savings w/ Premier Plus Checking - Platinum
0.15%	$100	-	Regular Savings w/ Premier Plus Checking - Gold
0.15%	-	-	My Cash Savings w/ Premier Plus Checking - Gold
0.13%	$100	-	Regular Savings w/ Premier Plus Checking - Silver
0.13%	-	-	MyCash Savings w/ Premier Plus Checking - Silver
0.10%	$100	-	Regular Savings
0.10%	-	-	MyCash Savings
0.10%	-	-	Business Savings

Exchange Bank (CA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.33%^*	$100k^*	-	Money Market Investment w/ Premier Plus Checking - Platinum
OTHER TIERS: 0.23% → Up to $10k \| 0.25% → $10k - $50k \| 0.28% → $50k - $100k
0.30%^*	$100k^*	-	Money Market Investment w/ Premier Plus Checking - Gold
OTHER TIERS: 0.20% → Up to $10k \| 0.22% → $10k - $50k \| 0.25% → $50k - $100k
0.28%^*	$100k^*	-	Money Market Investment w/ Premier Plus Checking - Silver
OTHER TIERS: 0.18% → Up to $10k \| 0.20% → $10k - $50k \| 0.23% → $50k - $100k
0.25%^*	$100k^*	-	Money Market Investment
OTHER TIERS: 0.15% → Up to $10k \| 0.17% → $10k - $50k \| 0.20% → $50k - $100k
0.25%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.15% → Up to $10k \| 0.17% → $10k - $50k \| 0.20% → $50k - $100k

Exchange Bank (CA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$250k^*	-	Premier Plus Checking
OTHER TIERS: 0.10% → Up to $10k \| 0.11% → $10k - $50k \| 0.12% → $50k - $100k \| 0.15% → $100k - $250k
0.20%^*	$250k^*	-	Business Checking Plus Interest
OTHER TIERS: 0.10% → Up to $50k \| 0.12% → $50k - $100k \| 0.15% → $100k - $250k

Exchange Bank (CA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.41%^*	$100k^*	-	5 Year CD
OTHER TIERS: 1.36% → $1k - $100k
1.41%^*	$100k^*	-	Business 5 Year CD
OTHER TIERS: 1.36% → $1k - $100k
1.36%^*	$100k^*	-	4 Year CD
OTHER TIERS: 1.31% → $1k - $100k
1.36%^*	$100k^*	-	Business 4 Year CD
OTHER TIERS: 1.31% → $1k - $100k
1.31%^*	$100k^*	-	2 Year CD
OTHER TIERS: 1.26% → $1k - $100k
1.31%^*	$100k^*	-	3 Year CD
OTHER TIERS: 1.26% → $1k - $100k
1.31%^*	$100k^*	-	Business 2 Year CD
OTHER TIERS: 1.26% → $1k - $100k
1.31%^*	$100k^*	-	Business 3 Year CD
OTHER TIERS: 1.26% → $1k - $100k
1.26%^*	$100k^*	-	12 Month CD
OTHER TIERS: 1.21% → $1k - $100k
1.26%^*	$100k^*	-	18 Month CD
OTHER TIERS: 1.21% → $1k - $100k
1.26%^*	$100k^*	-	15 Month Flex CD
OTHER TIERS: 1.21% → $1k - $100k
1.26%^*	$100k^*	-	Business 12 Month CD
OTHER TIERS: 1.21% → $1k - $100k
1.26%^*	$100k^*	-	Business 15 Month Flex CD
OTHER TIERS: 1.21% → $1k - $100k
1.26%^*	$100k^*	-	Business 18 Month CD
OTHER TIERS: 1.21% → $1k - $100k
0.85%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.80% → $1k - $100k
0.85%^*	$100k^*	-	Business 6 Month CD
OTHER TIERS: 0.80% → $1k - $100k
0.65%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.60% → $1k - $100k
0.65%^*	$100k^*	-	Business 3 Month CD
OTHER TIERS: 0.60% → $1k - $100k

Exchange Bank (CA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%	$1k	-	4 Year Fixed Rate IRA
1.31%	$1k	-	2 Year Fixed Rate IRA
1.31%	$1k	-	3 Year Fixed Rate IRA
1.26%	$250	-	1 Year Fixed Rate IRA
0.85%	$250	-	6 Month Fixed Rate IRA
0.80%	$250	-	12 - 18 Month Variable Rate IRA