Exchange Bank
- Company typePublic
- Founded1890
- HeadquartersSanta Rosa, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
Exchange Bank firmographics
Firmographics- Name
- Exchange Bank
- Legal name
- Exchange Bank
- Website
- https://exchangebank.com
- Company type
- Public
- Founded year
- 1890
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Where Exchange Bank is headquartered
LocationHeadquarters
- HQ city
- Santa Rosa
- HQ country
- United States
- HQ region
- North America
Offices14 records
Markets served
Exchange Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Interest income from loans and deposits, including $24.43 million in Q1 2026 and $90.69 million in full year 2025. Driven by interest and fees on loans ($1.74 billion gross loans as of March 2026) and deposit funding.
- Trust and Investment Management Fees: Revenue from investment management, retirement plans, estate settlement, and trust administration services offered through Trust & Investment Management division
- Banking Service Fees: Fees from personal and business checking, savings, credit cards, merchant services, and treasury management services
- Loan Origination and Servicing: Interest income from personal loans, business loans, residential mortgages, and SBA lending
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | Personal and business banking products offered with rates and fees available upon inquiry or branch visit |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels6 records
Exchange Bank product offering
Product offeringCore offering
Exchange Bank is a community bank providing personal banking (checking, savings, loans, credit cards, youth accounts), business banking (checking, savings, business loans, SBA loans, merchant services, treasury management), and Trust & Investment Management (investment management, retirement plans, estate settlement, trust administration). Services are delivered through 19 retail branches across the North Bay and Roseville regions, supplemented by online and mobile banking platforms and dedicated Trust & Investment offices.
Product overview
Exchange Bank operates as a full-service community bank offering an integrated portfolio of personal, business, and wealth management products. The core banking platform is organized into three main channels: Personal Banking (checking, savings, loans, credit cards, and digital banking), Business Banking (checking, savings, loans, merchant services, and treasury management), and Trust & Investment Management (investment management, retirement plans, estate settlement, and trust administration). Digital banking is delivered through Mobile & Online Banking platforms with features including remote deposit capture, Face ID/Touch ID authentication, and multi-factor authentication. The bank also offers specialized youth accounts (My Cash Checking and My Cash Savings) with deposit matching promotions, and residential mortgage services through its mortgage division.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking
- Personal Savings
- Personal Loans
- Personal Credit Cards
- Mobile and Online Banking
- My Cash Checking
- My Cash Savings
- Business Checking
- Business Savings
- Business Loans
- Business Credit Cards
- Merchant Services
- Treasury Management
- Investment Management
- Retirement Plans
- Estate Settlement
- Trust Administration
- Residential Mortgages
Quantifiable outcome
- Q1 2026 net income of $7.51 million, a 33.71% increase compared to Q1 2025
- +3 more outcomes
Companies that use Exchange Bank
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Exchange Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
Exchange Bank partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core, major and minor.
- Doyle Trust / Santa Rosa Junior CollegecoreExchange Bank directs approximately 50.44% of dividend payouts to the Doyle Trust, which funds scholarships at Santa Rosa Junior College. The program has funded $105 million in scholarships. This long-standing arrangement demonstrates the bank's commitment to local education and community support.
- FHLBank San FranciscomajorExchange Bank partnered with FHLBank San Francisco to award a $70,000 grant to Dry Creek Rancheria Band of Pomo Indians. This partnership demonstrates the bank's community development initiatives.
- Redwood Empire Food BankcoreExchange Bank donated $20,000 to the Redwood Empire Food Bank in honor of customers and business partners. The bank gives well over $600,000 annually to local nonprofits including the food bank. This is the largest hunger-relief organization serving north coastal California.
- United WayminorNick Bongiorno, Marin Branch Manager, is an avid supporter of United Way, demonstrating employee engagement in community organizations.
- Boys & Girls ClubsminorNick Bongiorno supports the Boys & Girls Clubs organization as part of his community involvement.
- Big Brothers Big SistersminorNick Bongiorno is an avid supporter of Big Brothers Big Sisters, supporting organizations that bridge the gap for underserved community members.
- Redwood Empire Food BankminorMindy Smith, Community Relations Officer, is an avid supporter of Redwood Empire Food Bank, combining professional expertise with commitment to service.
- Friends in Service Here (F.I.S.H.)minorMindy Smith supports F.I.S.H. as part of her community service and engagement efforts.
- Joint Marketing PartnersminorExchange Bank shares personal information with joint marketing partners to offer financial services. Customers can opt out of this sharing through the bank's website.
Scale indicators12 records
Recent moves7 records
Expansion highlights5 records
Exchange Bank competitors and assessment
Company assessmentDirect peers
- Bank of Marin Bancorp: Northern California community bank headquartered in Novato with a similar North Bay focus. Both institutions serve the Marin/Sonoma corridor with relationship-driven community banking, comparable SMB and wealth management offerings, and similar asset size (~$3-4B). Direct overlap in Marin County market where Exchange Bank just expanded.
- Tri Counties Bank: California community bank operated by TriCo Bancshares, serving Northern and Central California. Similar full-service community banking model with personal, business, and wealth management services, and a comparable regional community banking approach.
- First Northern Bank of Dixon: Independent Northern California community bank serving Sacramento Valley and North Bay-adjacent markets with similar asset size (~$2-3B). Comparable community banking model emphasizing relationship-driven service, SBA lending, and local decision-making.
- Poppy Bank: Santa Rosa-based community bank with headquarters in Exchange Bank's home market. Direct local competitor offering similar personal, business, and SBA lending services with comparable community banking positioning and overlapping customer base in Sonoma County.
- Pacific Valley Bank: Northern California community bank focused on SBA and business lending, with similar asset size. Provides comparable community-oriented banking services to SMBs and professionals in Northern California markets.
- Redwood Capital Bank: Northern California community bank headquartered in Eureka with comparable asset size and community banking model. Serves similar SMB and consumer segments with relationship-driven approach in Northern California coastal markets.
Broad incumbents
- Westamerica Bancorporation: Larger California community banking franchise operated through Bank of Westamerica with ~$20B+ in assets. Provides traditional community banking services across Northern and Central California, representing a scaled incumbent peer with similar community bank philosophy but broader geographic and product reach.
- Mechanics Bank: Northern California community bank (Richhead Holdings), substantially larger than Exchange Bank with ~$18B+ in assets. Provides full-service community banking, SBA lending, and wealth management across California, representing a scaled peer with overlapping geographic and product offerings.
- Umpqua Bank: Pacific Northwest-headquartered community banking franchise (Columbia Banking System) with significant Northern California presence through acquisitions. Larger scaled peer offering similar community banking products with greater geographic reach and capital base.
- CVB Financial Corp (Citizens Business Bank): Southern California-headquartered community banking holding company with ~$15B+ in assets. While primarily Southern California focused, represents a scaled California community banking peer with similar product mix including wealth management and SBA lending.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Exchange Bank social profiles
Digital presenceExchange Bank compliance and trust
Trust signalCompliance2 records
Exchange Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Exchange Bank leadership team
Management profileNumber of profiles
Profiles16 records
Exchange Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Exchange Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Exchange Bank
What does Exchange Bank do?
Exchange Bank is a community bank providing personal banking (checking, savings, loans, credit cards, youth accounts), business banking (checking, savings, business loans, SBA loans, merchant services, treasury management), and Trust & Investment Management (investment management, retirement plans, estate settlement, trust administration). Services are delivered through 19 retail branches across the North Bay and Roseville regions, supplemented by online and mobile banking platforms and dedicated Trust & Investment offices.
Is Exchange Bank a public or private company?
Exchange Bank is a public company. It is classified as public and is currently operating.
When was Exchange Bank founded?
Exchange Bank was founded in 1890. It employs 251 to 500 people.
Where is Exchange Bank based?
Exchange Bank is headquartered in Santa Rosa, United States, in the North America region.
How does Exchange Bank make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are trust and Investment Management Fees, banking Service Fees and loan Origination and Servicing.
Who are Exchange Bank's main competitors?
Direct peers on record are Bank of Marin Bancorp, Tri Counties Bank, First Northern Bank of Dixon, Poppy Bank, Pacific Valley Bank and Redwood Capital Bank. Broad incumbents are Westamerica Bancorporation, Mechanics Bank, Umpqua Bank and CVB Financial Corp (Citizens Business Bank).
Does Exchange Bank have an API?
No public API is recorded for Exchange Bank.