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Exchange Bank

$1B-$10B Specialty: Commercial CA FDIC cert 8468

Santa Rosa, CA

21 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits -4.2% year over year ($2.8B on the books).
  • Delinquency rate 0.56%.
  • Return on assets 0.91%.
  • Efficiency ratio 67.31% vs a 59.73% peer average.
  • Loan-to-deposit ratio 62.68% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Exchange Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Loan-to-Deposit Ratio 22.35% below tier average
  • + Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 19.8% in tier
  • - Credit Risk Growth: Bottom 45.0% in tier
  • - ROA 0.48% below tier average
  • - Net Interest Margin 0.64% below tier average
  • - Efficiency Ratio 7.59% above tier average
Get updates when Exchange Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $3.2B
-2.6% YoY -2.5% QoQ
+$392.0M $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $1.7B
+7.7% YoY +0.7% QoQ
-$239.2M $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $2.8B
-4.2% YoY -3.1% QoQ
+$431.6M $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 0.91%
+18.0% YoY -0.4% QoQ
-0.48% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 3.24%
+13.1% YoY +0.7% QoQ
-0.64% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 67.31%
-3.7% YoY +0.4% QoQ
+7.59% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
27%
Delinquency Rate ? 0.56%
+69.9% YoY -35.9% QoQ
-0.31% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 62.68%
+12.5% YoY +3.9% QoQ
-22.35% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Top 8.5% in tier
Non-Interest-Bearing Deposit Share ? 31.29%
+0.0% YoY +3.7% QoQ
+10.02% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 12.8% in tier
Nonperforming Asset Ratio ? 0.45%
+180.0% YoY -1.4% QoQ
-0.22% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
47%
Tier 1 Capital Ratio ? 18.98%
+2.2% YoY +1.5% QoQ
+4.13% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 9.4% in tier
Non-Interest Income / Assets ? 0.39%
-0.9% YoY +103.2% QoQ
-0.13% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 31.3%
0.0pp YoY
+1.1pp QoQ
 +9.9pp 21.4% 25.5% 22.2% 87%
Brokered Deposits n/a n/a 9.5% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 7.0%
-0.3pp YoY
-0.2pp QoQ
 -7.0pp 14.0% 11.8% 12.5% 28%
CRE 65.2%
+3.8pp YoY
+0.7pp QoQ
 +15.2pp 50.0% 67.5% 41.4% 83%
1-4 Family 24.2%
-2.9pp YoY
-0.4pp QoQ
 -2.2pp 26.4% 16.5% 31.3% 52%
Consumer 2.5%
-1.1pp YoY
-0.3pp QoQ
 -2.2pp 4.7% 5.3% 5.0% 70%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 19.0%
+0.4pp YoY
+0.3pp QoQ
 +3.4pp 15.6% 23.7% 19.7% 89%
Leverage Ratio 12.6%
+1.0pp YoY
+0.3pp QoQ
 +1.3pp 11.3% 14.5% 12.6% 81%
Total Capital Ratio 20.2%
+0.4pp YoY
+0.3pp QoQ
 +3.5pp 16.7% 25.1% 20.8% 89%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 354
0 YoY
-5 (-1.4%) QoQ
 +40 313 337 482 73%
Assets per Employee ($) $9.0M
-2.6% YoY
-1.1% QoQ
 -$1.5M $10.5M $11.3M $8.8M 54%
Branch Count 21
0 YoY
0 QoQ
 +1 20 15 18 68%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.2pp 0.2% 0.3% 0.4% 17%
Nonaccrual 0.6%
+0.2pp YoY
-0.3pp QoQ
 -0.3pp 0.8% 1.4% 1.0% 53%
Allowance Coverage 3.14x
-52.2% YoY
+54.2% QoQ
 -15.57x 18.71x 17.11x 20.23x 66%
Net Charge-off Rate (YTD) 0.5%
+0.5pp YoY
-0.5pp QoQ
 +0.3pp 0.3% 0.3% 0.2% 92%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 8.4%
0.0pp YoY
-0.2pp QoQ
 -4.2pp 12.6% 8.2% 11.6% 22%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 1.9% 1.9% 1.7% 7%
Net Income ($, YTD) $14.8M
+17.0% YoY
— QoQ
 -$4.4M $19.2M $28.5M $40.4M 59%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline
#27 of 131 • Bottom 19.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#182 of 402 • Bottom 45.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

76
Loan-to-Deposit Ratio
liquidity
Value: 62.68%
Peer Median: 85.04%
#76 of 885 Top 8.5% in $1B-$10B
84
Tier 1 Capital Ratio
capital
Value: 18.98%
Peer Median: 14.84%
#84 of 885 Top 9.4% in $1B-$10B
114
Non-Interest-Bearing Deposit Share
funding
Value: 31.29%
Peer Median: 21.27%
#114 of 885 Top 12.8% in $1B-$10B

Top Weaknesses (2 metrics)

683
Net Interest Margin
profitability
Value: 3.24%
Peer Median: 3.87%
#683 of 885 Bottom 22.9% in $1B-$10B
674
Return on Assets
profitability
Value: 0.91%
Peer Median: 1.39%
#674 of 885 Bottom 24.0% in $1B-$10B
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