Bank · FDIC insured
Exchange Bank
A $3.2B bank, the 399th largest of 4,207, headquartered in Santa Rosa, CA, with 19 branches in California. Best rates: CDs 4.00% APY.
Exchange Bank Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#11 of 16 in Santa Rosa, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Exchange Bank
Founded in 1890 in Santa Rosa, California, Exchange Bank is 50.44% owned by the perpetual Doyle Trust, which funds scholarships for Santa Rosa Junior College.
Operating 18 locations across Sonoma County and the North Bay, the community-focused bank provides personal, business, and trust and investment services.
- Headquarters
- 545 4th St, Santa Rosa, CA 95401
- FDIC certificate
- 8468 ↗
Branches
19 branches in California
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California
19 branches
Santa Rosa area · 17
- Exchange BankMain office545 4th St, Santa Rosa, CA 95401Directions
- Cloverdale Branch116 S Cloverdale Blvd, Cloverdale, CA 95425Directions
- Cotati Branch590 A East Cotati Avenue, Cotati, CA 94931Directions
- Healdsburg Branch1031 Vine St, Healdsburg, CA 95448Directions
- Petaluma East Branch453 N Mcdowell Blvd, Petaluma, CA 94954Directions
- Petaluma West Branch200 Kentucky St, Petaluma, CA 94952Directions
- Rohnert Park Branch6290 Commerce Blvd, Rohnert Park, CA 94928Directions
- Coddingtown Branch1300 Guerneville Rd, Santa Rosa, CA 95403Directions
- Dutton Branch400 Dutton Ave, Santa Rosa, CA 95407Directions
- Larkfield Branch500 Larkfield Ctr, Santa Rosa, CA 95403Directions
- Reinking Branch2416 Montgomery Dr, Santa Rosa, CA 95405Directions
- Spring Lake Village Branch5555 Montgomery Dr, Santa Rosa, CA 95409Directions
- St. Francis Branch136 Calistoga Rd, Santa Rosa, CA 95409Directions
- Stony Point Branch499 Stony Point Rd, Santa Rosa, CA 95401Directions
- Sebastopol Branch840 Gravenstein Hwy N, Sebastopol, CA 95472Directions
- Sonoma Branch435 W Napa St, Sonoma, CA 95476Directions
- Windsor Branch8700 Lakewood Dr, Windsor, CA 95492Directions
Sacramento area · 1
- Roseville Branch1420 Rocky Ridge Dr, Roseville, CA 95661Directions
San Francisco area · 1
- Exchange Bank Trust And Investments - Marin Office Branch3950 Civic Center Dr, San Rafael, CA 94903Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.64% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.55% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.91% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $64 | $88 | — |
- CapitalLeverage ratio12.64%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.55%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.91%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$64Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Exchange Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.