BlastPoint's Banking Scorecard
Exchange Bank
Santa Rosa, CA
21 branches across CA
Exchange Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.85% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 24.0% in tier
- - Deposit Outflow: Bottom 30.0% in tier
- - Credit Risk Growth: Bottom 42.1% in tier
- - ROA 0.45% below tier average
- - Net Interest Margin 0.61% below tier average
- - Efficiency Ratio 6.00% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
-0.2% YoY
-1.1% QoQ
|
+$450.8M |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$1.7B
+8.6% YoY
+0.9% QoQ
|
-$252.1M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$2.8B
-1.8% YoY
-1.3% QoQ
|
+$494.3M |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
0.91%
+33.8% YoY
+0.4% QoQ
|
-0.45% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.21%
+16.7% YoY
+7.9% QoQ
|
-0.61% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
67.06%
-7.4% YoY
+0.3% QoQ
|
+6.00% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
0.87%
+13.6% YoY
-6.7% QoQ
|
-0.01% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
60.36%
+10.5% YoY
+2.2% QoQ
|
-23.85% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 7.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.18%
-3.5% YoY
+0.5% QoQ
|
+8.89% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.46%
+23.6% YoY
-4.7% QoQ
|
-0.22% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
18.70%
+0.8% YoY
+1.3% QoQ
|
+3.54% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Top 10.1% in tier |
| Non-Interest Income / Assets ? |
0.19%
-0.9% YoY
-76.1% QoQ
|
-0.06% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
70% |
Get Full Access to Exchange Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.