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Exchange Bank
Santa Rosa, CA·FDIC Cert #8468·Charter: STATE·Est. 18900501.0·HC: FRANK P DOYLE TRUST ARTICLE IX
Total Assets
$3.3B
Q4 2025
Return on Assets
0.91%
+0.05%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
66.86%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.91%+0.05
ROE
9.50%+0.31
Efficiency
66.86%-0.19
Equity/Assets
0.00%+0.00
NPL Ratio
0.94%+0.77
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
59.04%+1.11
Charge-offs
0.03%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.6 | 0.6 | 0.7 | 0.7 | 0.8 | 0.9 | 0.9 |
| ROE | 7.7 | 7.9 | 7.6 | 8.9 | 7.7 | 8.4 | 9.2 | 9.5 |
| Efficiency | 75.4 | 74.4 | 74.4 | 73.4 | 72.4 | 69.9 | 67.0 | 66.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.4 | 0.7 | 0.8 | 0.3 | 0.2 | 0.9 |
| Charge-offs | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 55.4 | 56.2 | 55.4 | 55.9 | 54.6 | 55.7 | 57.9 | 59.0 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.9B
Total Loans$1.7B
Total Equity$346.7M
Profitability
ROA0.91%
ROE9.50%
Efficiency Ratio66.86%
Net Income$30.0M
Risk & Asset Quality
NPL Ratio0.94%
Charge-off Rate0.03%
Loan/Deposit59.04%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans