Exchange Bank

Established in 1890

About Exchange Bank

Exchange Bank was established on 1890. The bank's headquarters are located at 545 Fourth Street in Santa Rosa, California.

Exchange Bank is an FDIC insured bank with FDIC number 8468 managing assets to the value of $3,132,187 as of 12/31/2020.

Exchange Bank has a Texas ratio of 1.24%.
The bank Texas Ratio is an indicator of the bank's health developed at RBC Capital Markets to measure a financial institution's credit troubles. The lower the Texas Ratio, the healthier the bank.

About the Bank

1.24%
Texas Ratio
FDIC Certificate #

8468

Active Insured Since #

1/1/1934

Financial Profile

Dollar figures in thousands (000's)

As of 12/31/2020
Total Assets $3,132,187
Equity Capital $304,918
Total Deposits $2,779,090
Total Liabilities $2,827,269
Total Securities $919,946
Net Loans And Leases $1,686,021
Loan Loss Allowance $41,668
Total Loans And Leases $1,727,689
YTD (as of 12/31/2020)
Return On Assets 1.16%
Return On Equity 11.65%
Total Interest Income $99,704
Total Interest Expense $3,298
Total Non Interest Income $21,501
Total Non Interest Expense $68,641

Headquarters

545 Fourth Street 95401, Santa Rosa

Exchange Bank branches near me

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Total Loans and Leases Statistics

Total Loans and Leases $1,727,689 In thousands (000's) * All data provided by fdic.gov updated 12/31/2020

Exchange Bank Mortgage Loans Profile

Classic Bank

72.12%

Application Approval Rate

Classic Bank

$567,680

Average Mortgage Loan Amount

Classic Bank

269

Number of Loan Applications

Classic Bank

$248,558

Average Income of Applicants with Approved Loans

Classic Bank

0.00%

Average Cost of Loans

Classic Bank

0.00%

Average Debt to Income Ratio

* All data provided by the Home Mortgage Disclosure Act, at cfpb.gov updated 12/31/2019

Distribution of Mortgage Loans

Top Counties by Number of Mortgage Loan Applications

1 Sonoma

Number of Loan Applications
229
Average Loan Amount
$566,212
Approval Rate
72.05%
Average Income of Approved Loans’ Applicants
$231,610

2 Sacramento

Number of Loan Applications
7
Average Loan Amount
$586,667
Approval Rate
85.71%
Average Income of Approved Loans’ Applicants
$793,000

3 Marin

Number of Loan Applications
5
Average Loan Amount
$835,000
Approval Rate
80.00%
Average Income of Approved Loans’ Applicants
$303,000

4 Mendocino

Number of Loan Applications
4
Average Loan Amount
$385,000
Approval Rate
75.00%
Average Income of Approved Loans’ Applicants
$234,667

5 Lake

Number of Loan Applications
4
Average Loan Amount
$245,000
Approval Rate
50.00%
Average Income of Approved Loans’ Applicants
$200,000

6 Placer

Number of Loan Applications
3
Average Loan Amount
$535,000
Approval Rate
100.00%
Average Income of Approved Loans’ Applicants
$215,500

Top States by Number of Mortgage Loan Applications

1 California

Number of Loan Applications
266
Average Loan Amount
$567,448
Approval Rate
72.18%
Average Income of Approved Loans’ Applicants
$244,012

2 Nevada

Number of Loan Applications
2
Average Loan Amount
$715,000
Approval Rate
50.00%
Average Income of Approved Loans’ Applicants
$450,000

3 Colorado

Number of Loan Applications
1
Average Loan Amount
$465,000
Approval Rate
100.00%
Average Income of Approved Loans’ Applicants
$779,000