BlastPoint's Banking Scorecard
Exchange Bank
Community
Specialty: Commercial
CA
FDIC cert 8468
Santa Rosa, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Exchange Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 28% in Community
- - Credit Risk Growth: Bottom 42% in Community
- - Loan-to-Deposit Ratio 24.03% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+0.1% YoY
-0.1% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$1.7B
+7.2% YoY
+1.5% QoQ
|
+$722.1M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$2.9B
+1.5% YoY
-0.4% QoQ
|
+$1.7B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
0.91%
+27.7% YoY
+5.9% QoQ
|
-0.25% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
2.98%
+13.2% YoY
+1.8% QoQ
|
-0.69% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
66.86%
-9.0% YoY
-0.3% QoQ
|
+4.23% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.94%
+33.0% YoY
+454.3% QoQ
|
+0.31% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
59.04%
+5.6% YoY
+1.9% QoQ
|
-24.03% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.02%
-5.8% YoY
-0.6% QoQ
|
+8.98% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.48%
+42.4% YoY
+463.3% QoQ
|
-0.02% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
18.46%
+3.0% YoY
+1.4% QoQ
|
+8.22% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.81%
+14.4% YoY
+31.3% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#70 of 245 · Bottom 28% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.91%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Credit Risk Growth
risk
#271 of 642 · Bottom 42% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
59.04%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
90
90th pctile
Tier 1 Capital Ratio
Current: 18.46% · Tier avg: 10.24%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 30.02% · Tier avg: 21.05%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
35
35th pctile
Efficiency Ratio
Current: 66.86% · Tier avg: 62.63%
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
27
27th pctile
Delinquency Rate
Current: 0.94% · Tier avg: 0.63%
17
17th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.66%
8
8th pctile
Loan-to-Deposit Ratio
Current: 59.04% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 59.04% · Tier avg: 83.06%
17
17th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.66%
27
27th pctile
Delinquency Rate
Current: 0.94% · Tier avg: 0.63%
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
35
35th pctile
Efficiency Ratio
Current: 66.86% · Tier avg: 62.63%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 30.02% · Tier avg: 21.05%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
90
90th pctile
Tier 1 Capital Ratio
Current: 18.46% · Tier avg: 10.24%
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
95
95th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B