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 32^nd largest bank in the state of California. It is also the 374^th largest bank in the nation. It was established in 1890 and as of June of 2024, it had grown to 368 employees at 19 locations. Exchange Bank (CA)'s CD rates are 5X the national average, and it has a B+ health rating.

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2016

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

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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	8468
Year Established	1890
Employees	368
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.61%
Return on Equity - YTD	7.92%
Annual Interest Income	$61.3MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$3.31B$3.32B
Loans	Q2 2024vs Q2 2023	$1.56B$1.5B
Deposits	Q2 2024vs Q2 2023	$2.78B$2.84B
Equity Capital	Q2 2024vs Q2 2023	$257.1MM$220MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$40.8MM$43MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$4MM$2.9MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$310K

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
0.23%^*	$1m^*	-	Signature-Plus Savings w/ Premier Plus Checking - Platinum
OTHER TIERS: 0.13% → $0 - $100k \| 0.18% → $100k - $250k \| 0.20% → $250k - $1m
0.22%^*	$1m^*	-	Signature-Plus Savings w/ Premier Plus Checking - Gold
OTHER TIERS: 0.12% → $0 - $100k \| 0.17% → $100k - $250k \| 0.19% → $250k - $1m
0.21%^*	$1m^*	-	Signature-Plus Savings w/ Premier Plus Checking - Silver
OTHER TIERS: 0.11% → $0 - $100k \| 0.16% → $100k - $250k \| 0.18% → $250k - $1m
0.20%^*	$1m^*	-	Signature-Plus Savings
OTHER TIERS: 0.10% → $0 - $100k \| 0.15% → $100k - $250k \| 0.17% → $250k - $1m
0.13%	$0	-	Regular Savings w/ Premier Plus Checking - Platinum
0.13%	$0	-	MyCash Savings w/ Premier Plus Checking - Platinum
0.12%	$0	-	Regular Savings w/ Premier Plus Checking - Gold
0.12%	$0	-	MyCash Savings w/ Premier Plus Checking - Gold
0.11%	$0	-	Regular Savings w/ Premier Plus Checking - Silver
0.11%	$0	-	MyCash Savings w/ Premier Plus Checking - Silver
0.10%	$0	-	Regular Savings
0.10%	$0	-	MyCash Savings
0.10%	$0	-	Business Savings
0.10%	$0	-	Public Funds Savings

Exchange Bank (CA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$500k^*	-	Business Money Market
OTHER TIERS: 0.20% → $0 - $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k \| 0.70% → $100k - $500k
0.75%^*	$500k^*	-	Public Funds Money Market
OTHER TIERS: 0.20% → $0 - $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k \| 0.70% → $100k - $500k
0.73%^*	$100k^*	-	Personal Money Market w/ Premier Plus Checking - Platinum
OTHER TIERS: 0.23% → $0 - $10k \| 0.33% → $10k - $50k \| 0.38% → $50k - $100k
0.72%^*	$100k^*	-	Personal Money Market w/ Premier Plus Checking - Gold
OTHER TIERS: 0.22% → $0 - $10k \| 0.32% → $10k - $50k \| 0.37% → $50k - $100k
0.71%^*	$100k^*	-	Personal Money Market w/ Premier Plus Checking - Silver
OTHER TIERS: 0.21% → $0 - $10k \| 0.31% → $10k - $50k \| 0.36% → $50k - $100k
0.70%^*	$100k^*	-	Personal Money Market
OTHER TIERS: 0.20% → $0 - $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k

Exchange Bank (CA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.68%^*	$250k^*	-	State Bar Checking
OTHER TIERS: 2.40% → $0 - $50k \| 3.66% → $50k - $100k \| 4.42% → $100k - $250k
0.15%^*	$500k^*	-	Premier Plus Checking
OTHER TIERS: 0.05% → $0 - $10k \| 0.07% → $10k - $50k \| 0.08% → $50k - $100k \| 0.10% → $100k - $250k \| 0.13% → $250k - $500k
0.15%^*	$500k^*	-	Non-Profit Interest Checking
OTHER TIERS: 0.10% → $0 - $250k \| 0.13% → $250k - $500k
0.15%^*	$500k^*	-	Public Funds Interest Checking
OTHER TIERS: 0.10% → $0 - $250k \| 0.13% → $250k - $500k
0.15%^*	$500k^*	-	Sole Proprietor Interest Checking
OTHER TIERS: 0.10% → $0 - $250k \| 0.13% → $250k - $500k

Exchange Bank (CA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$1k	-	3 Month CD Promotion
5.00%	$1k	-	Business 3 Month CD Promotion
5.00%	$1k	-	6 Month CD Promotion
5.00%	$1k	-	Business 6 Month CD Promotion
4.75%	$1k	-	9 Month CD Promotion
4.75%	$1k	-	Business 9 Month CD Promotion
4.25%	$1k	-	12 Month CD Promotion
4.25%	$1k	-	Business 12 Month CD Promotion
3.50%	$1k	-	24 Month CD Promotion
3.50%	$1k	-	Business 24 Month CD Promotion
3.06%^*	$100k^*	-	3 - 5 Month CD
OTHER TIERS: 3.05% → $1k - $100k
3.06%^*	$100k^*	-	Business 3 - 5 Month CD
OTHER TIERS: 3.05% → $1k - $100k
3.06%^*	$100k^*	-	6 - 11 Month CD
OTHER TIERS: 3.05% → $1k - $100k
3.06%^*	$100k^*	-	Business 6 - 11 Month CD
OTHER TIERS: 3.05% → $1k - $100k
3.06%^*	$100k^*	-	12 - 17 Month CD
OTHER TIERS: 3.05% → $1k - $100k
3.06%^*	$100k^*	-	Business 12 - 17 Month CD
OTHER TIERS: 3.05% → $1k - $100k
3.06%^*	$100k^*	-	18 - 23 Month CD
OTHER TIERS: 3.05% → $1k - $100k
3.06%^*	$100k^*	-	Business 18 - 23 Month CD
OTHER TIERS: 3.05% → $1k - $100k
2.75%^*	$100k^*	-	3 - 5 Month Public Funds CD
OTHER TIERS: 2.74% → $1k - $100k
2.75%^*	$100k^*	-	6 - 11 Month Public Funds CD
OTHER TIERS: 2.74% → $1k - $100k
2.75%^*	$100k^*	-	12 - 23 Month Public Funds CD
OTHER TIERS: 2.74% → $1k - $100k
0.46%^*	$100k^*	-	60 Month CD
OTHER TIERS: 0.45% → $1k - $100k
0.46%^*	$100k^*	-	Business 60 Month CD
OTHER TIERS: 0.45% → $1k - $100k
0.41%^*	$100k^*	-	24 - 35 Month CD
OTHER TIERS: 0.40% → $1k - $100k
0.41%^*	$100k^*	-	Business 24 - 35 Month CD
OTHER TIERS: 0.40% → $1k - $100k
0.41%^*	$100k^*	-	36 - 47 month CD
OTHER TIERS: 0.40% → $1k - $100k
0.41%^*	$100k^*	-	Business 36 - 47 month CD
OTHER TIERS: 0.40% → $1k - $100k
0.41%^*	$100k^*	-	48 - 59 month CD
OTHER TIERS: 0.40% → $1k - $100k
0.41%^*	$100k^*	-	Business 48 - 59 month CD
OTHER TIERS: 0.40% → $1k - $100k

Exchange Bank (CA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.82%	$250	-	12 - 23 Month Fixed Rate IRA
3.56%	$250	-	6 - 11 Month Fixed Rate IRA
3.04%	$250	-	12 - 18 Month Variable Rate IRA
1.01%	$1k	-	24 - 35 Month Fixed Rate IRA
1.01%	$1k	-	36 - 47 Month Fixed Rate IRA
1.01%	$1k	-	48 - 60 Month Fixed Rate IRA