Exchange Bank is a bank based in Santa Rosa, California, established in 1890, with $3.3 billion in total assets across 21 branches. By Trust Grade it ranks 63rd of 117 banks we track in California. Its capital ratio of 10.7% is stronger than 58% of similarly sized banks, versus a California median of 11.7%. It was profitable over the most recent period, with a 0.91% return on assets. No consumer complaints against Exchange Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Exchange Bank compares to California peers
How we graded Exchange Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.7% capital ratio)
- Profitable (ROA 0.91%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Exchange Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (21)
- 116 S Cloverdale Blvd, Cloverdale, CA 95425
- 8700 Lakewood Dr, Windsor, CA 95492
- 590 A East Cotati Avenue, Cotati, CA 94931
- 6290 Commerce Blvd, Rohnert Park, CA 94928
- 2416 Montgomery Dr, Santa Rosa, CA 95405
- 136 Calistoga Rd, Santa Rosa, CA 95409
- 500 Larkfield Ctr, Santa Rosa, CA 95403
- 400 Dutton Ave, Santa Rosa, CA 95407
- 1300 Guerneville Rd, Santa Rosa, CA 95403
- 200 Kentucky St, Petaluma, CA 94952
- 435 W Napa St, Sonoma, CA 95476
- 499 Stony Point Rd, Santa Rosa, CA 95401
- 1031 Vine St, Healdsburg, CA 95448
- 840 Gravenstein Hwy N, Sebastopol, CA 95472
- 444 Aviation Blvd, Santa Rosa, CA 95403
- 453 N Mcdowell Blvd, Petaluma, CA 94954
- 1420 Rocky Ridge Dr, Roseville, CA 95661
- 545 4th St, Santa Rosa, CA 95401
- 5555 Montgomery Dr, Santa Rosa, CA 95409
- 3950 Civic Center Dr, San Rafael, CA 94903
- 1 1st St, Los Altos, CA 94022
Are deposits at Exchange Bank insured?
Yes. Exchange Bank is an FDIC-insured bank (FDIC certificate #8468). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Exchange Bank: frequently asked questions
Is Exchange Bank a good bank?
Exchange Bank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (10.7% capital ratio); Profitable (ROA 0.91%).
Is Exchange Bank FDIC-insured?
Yes. Exchange Bank is a FDIC-insured bank (FDIC certificate #8468). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Exchange Bank?
Exchange Bank holds $3.3 billion in total assets, ranking 63rd of 117 banks we track in California. It operates 21 branches.
Does Exchange Bank have CFPB complaints?
No CFPB complaints against Exchange Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
