# EXCHANGE BANK
SANTA ROSA, CA · FDIC certificate 8468 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.19B | |
| Deposits | $2.75B | |
| Loans and leases | $1.75B | |
| Total equity | $355.4M | |
| Loans / deposits | 62.68% (p9 of band) | 87.10% |
| Liquid assets / assets | 39.16% (p89 of band) | |
| Uninsured deposits / deposits | 25.88% (p32 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.45% (p25 of band) | |
| FHLB advances / assets | 1.26% | |
| Tier 1 leverage | 12.64% (p81 of band) | 10.50% |
| Unrealized securities loss / equity | -22.68% (p15 of band) | -7.75% |
| AOCI / equity | -0.44% (p39 of band) | |
| ROA (annualized) | 0.91% (p25 of band) | 1.26% |
| Net interest margin | 3.24% (p23 of band) | 3.70% |
| Efficiency ratio | 67.31% (p73 of band) | |
| Noncurrent loans | 0.55% (p53 of band) | 0.51% |
| Net charge-offs (annualized) | 0.28% (p90 of band) | |
| Reserve coverage of noncurrent | 314.13% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 11.66% (p11 of band) | |
| Auto loans | $36.3M (2.07% of loans; DQ 0.49%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -4.2% | |
| Employees | 354 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 4 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 | expense ratio p90 | assets shrinking |
| 2023-09 | 3 |  | expense ratio p90 |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | deposits shrinking |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-31 [Exchange Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBzM0RkZGRWM3hEQ01JWnhGYXpEMV9IQk5fdGc0Z1NMVThKNVJvLTZBSVRfbVREZkFFb1FFVl9QQVk2c0M3NWE2M21YU1pndVU2cXptZWFKX2pWdlNtUkE3Nno2S0daYjJiSEYxbmhn?oc=5) · reveliolabs.com
- 2026-05-18 [Exchange Bank Announces Promotion of Mindy Smith to Community Relations Officer - Business Wire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQUFRsZHZkVWdKeUdZTUVobndyYm4xMFlLVnJqOUthc1JYcW1oRGo0Y2RWdFNUc1BWLTY4R1NJRnlGbDFFQ29kUlRUSEVybXNGbUIya05iVlN6dUd0TVlOTVdueHhOYUpxV3NnLTJ0WTlycU5nV09wMDh6MXVBdWFiQlB0SUVYdl8yNU9ZOFZxci1ESUNSTU9UT3RwYlpwQmRhLVlGVmlKMjk5ZW1fY0VLQ0p0UWx5M3RWdDhaZk5aZmhwUHBIcEFDVDVBS3BNSjFVV2c?oc=5) · Business Wire
- 2026-07-31 [Exchange Bank (CA) Review - SmartAsset](https://news.google.com/rss/articles/CBMie0FVX3lxTFBPV2FfMGdEV2FMdndpWThyN1VXWHV0RU9WUFhmMFZnZnlEM2c5MDVlZ3FteEJBUWk3c0hWSDh6SWZtVFY4c1NZTXRZV1BuMDNqbjM2a1dPZnhPbnUxQllEZEVwd2pwaEZVSFVqT04tNXN3ZTFHbUc3aTh6Zw?oc=5) · SmartAsset
- 2026-05-04 [Currency Exchange International Completes Dissolution of Exchange Bank of Canada and Announces Full Exit From Canada; Updates Voting Results from Annual General and Special Meeting - Yahoo Finance](https://news.google.com/rss/articles/CBMivwFBVV95cUxQaVlNQ0o0UmRTZG1RZERYTWlWY2otSDNuektOT3dESGxQNlV0TWJuWXFMMkFXeUswQ1h5dUVOTFlTdEpvbElNdElUQ09FbmlvakpuaUtjTGplUVM3Y0pRZllmRl82bTEwbE1rMnd0b2xaQlZXN3lIblF2dEh4UDlHUzRZclk2WmxkaWk4em42XzFjcDhmLW1OSmtwRUlxMklZZ3J3NDZMWlQtdF9aZUlXUUJrMlNTX2lsTE9xb3hHOA?oc=5) · Yahoo Finance
- 2026-02-09 [Exchange Bank Announces Grand Opening of Marin and Petaluma Branches - Business Wire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPSmozOUNOQTJfcWprc1J2SlNuSW50a0sydXVSSVhyNEtSMlpXLU55NDd6U25UTzgyMVZUdUhDYmNNLVFsVHdUTFlnbUpDblA4UmhJSXB1Mk9WMWhUZDlFdThIYUNtSU81aVFkUXd6dklIYTNxM1ViX3U2aXd1WmxUSExOQmdqYzdGNzVhcXA3SklWNUFuelE5RkhITFJfeFhTMUJGUVdzV1ZSV0FrOWlHSC1RY0t4S2ZvWUZ6N1MxeXp1Z0E?oc=5) · Business Wire
- 2024-12-30 [GW Platt Foreign Exchange Bank Awards 2025: Global, Regional And Country Winners - Global Finance Magazine](https://news.google.com/rss/articles/CBMiugFBVV95cUxNNjBkaVhvWE84UEdGV2NNQWdWTVpGcG1YdUJDM3o4NUlMRlJ5SVhrX3VlczhSTDRiczRvdGNZakh1anQ5Q1JaX1ZWUkY3aHF3OHhwVU9jTTNmTFBGMjdKTjNPdm9EQkMtaW01OUhuYlVrVG1CSHAwcWVuX2s3ZU1kRFNYRkdQWVNDcGRJZUg2TFBGYkVRU0N0N3pvRVhYRlpsWF9rX3hrTU9PcmI3YjhUU0k5OVRPQ2Z3REE?oc=5) · Global Finance Magazine
- 2026-07-30 [Exchange Bank Announces Second Quarter 2026 Earnings - Business Wire](https://news.google.com/rss/articles/CBMirgFBVV95cUxQUktvenF4QUZ1NDJOd0FBLVNpblNBZVU2V0Q4SE9LTkFXTjNId0Ewc09ZRzIyN2RTQ2w1YUEyVlpKN3NMVExBdUx4eUhGRk5vQ1FoSTRZYVRjbWZSNnM5Mm5pQWV4THN1OTE2YlBuM0ZRWXhWUkI1QUczQzhwN3hxTGMwWWc2ZHJoNFZuYUNHNUxxazNOZ0x5T2hNTWVqVjdJc3pBaVhsRi1sT041MWc?oc=5) · Business Wire
- 2025-06-26 [Rolf Nelson, retired Exchange Bank executive, Sonoma County native and community champion, dies at 71 - The Press Democrat](https://news.google.com/rss/articles/CBMilAFBVV95cUxPNXEwR205elh3d2J4aXhNcTNkME1ReFE3VEU2LXpBMjVDZGtkZnNhcTJCZHpNbk1obTRuck9FdGhMN2tWOWo3LXAtZ2lhOEFGUllLQThFdWlUOHFPSjYwR2tzX0hXSGJLT21WN0xrdVROV0dCSmR5UVl4TGoxVGFhd05Ram1nbWFDSlF1VHdvZ1VSZnVT?oc=5) · The Press Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8468 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "8468", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide