Total Assets
$3.2B
Total Deposits
$2.8B
Branches
21
Established
1890
Exchange Bank is a bank headquartered in Santa Rosa, California, established in 1890. It holds $3.2B in total assets across 21 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Exchange Bank earns a TFS Financial Health Grade of B- (73.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
73.8 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching Exchange Bank?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Exchange BankHQ | 545 4th St | Santa Rosa | CA | 11 |
| Exchange Bank | 116 S Cloverdale Blvd | Cloverdale | CA | 11 |
| Exchange Bank | 590 A East Cotati Avenue | Cotati | CA | 11 |
| Exchange Bank | 1031 Vine St | Healdsburg | CA | 11 |
| Exchange Bank | 1 1st St | Los Altos | CA | 30 |
| Exchange Bank | 200 Kentucky St | Petaluma | CA | 11 |
| Exchange Bank | 453 N Mcdowell Blvd | Petaluma | CA | 11 |
| Exchange Bank | 6290 Commerce Blvd | Rohnert Park | CA | 11 |
| Exchange Bank | 1420 Rocky Ridge Dr | Roseville | CA | 11 |
| Exchange Bank | 3950 Civic Center Dr | San Rafael | CA | 30 |
| Exchange Bank | 499 Stony Point Rd | Santa Rosa | CA | 11 |
| Exchange Bank | 444 Aviation Blvd | Santa Rosa | CA | 24 |
| Exchange Bank | 2416 Montgomery Dr | Santa Rosa | CA | 11 |
| Exchange Bank | 136 Calistoga Rd | Santa Rosa | CA | 11 |
| Exchange Bank | 500 Larkfield Ctr | Santa Rosa | CA | 11 |
| Exchange Bank | 400 Dutton Ave | Santa Rosa | CA | 11 |
| Exchange Bank | 1300 Guerneville Rd | Santa Rosa | CA | 11 |
| Exchange Bank | 5555 Montgomery Dr | Santa Rosa | CA | 28 |
| Exchange Bank | 840 Gravenstein Hwy N | Sebastopol | CA | 11 |
| Exchange Bank | 435 W Napa St | Sonoma | CA | 11 |
| Exchange Bank | 8700 Lakewood Dr | Windsor | CA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
73.8
Tier 1 capital ratio
12.64%
Return on assets
0.91%
Non-performing loans
0.55%
Efficiency ratio
67.31%
Asset growth (YoY)
-2.62%
Suggested direct comparisons
Santa Rosa, CA
$922.1M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.