Exchange Bank (FDIC #8468): Bank Stress & Real-Estate Credit Exposure
Exchange Bank (FDIC Cert #8468): bank stress 68/100, elevated, STABLE over 7 days; parent FRANK P DOYLE TRUST ARTICLE IX.
Exchange Bank (#8468) lends in 4 counties across 1 state; Exchange Bank (#8468) reaches 165 ZIP codes: California 4 counties, 165 ZIPs.
Exchange Bank (#8468) largest markets: Santa Clara County, CA (63 branches, 63 ZIPs) (#8468), Sonoma County, CA (640 branches, 40 ZIPs) (#8468), Placer County, CA (34 branches, 34 ZIPs) (#8468), Marin County, CA (29 branches, 29 ZIPs) (#8468).
Exchange Bank (#8468) reports $3.19 billion in total assets; Exchange Bank (#8468) equity $355.4 million (11.2% of Exchange Bank (#8468) assets); Exchange Bank (#8468) domestic deposits $2.75 billion; Exchange Bank (#8468) net income $14.8 million; Exchange Bank (#8468) return on assets 0.91%; Exchange Bank (#8468) return on equity 8.44%; Exchange Bank (#8468) net interest income $48.7 million; Exchange Bank (#8468) call report June 30, 2026.
Exchange Bank (#8468) noncurrent real-estate loans 0.55% of its book; Exchange Bank (#8468) commercial real estate 0.04%; Exchange Bank (#8468) residential 1.05%; Exchange Bank (#8468) net charge-offs on real estate 0.58%; Exchange Bank (#8468) residential charge-offs 0.43%.
Exchange Bank (#8468) net interest margin 3.24% against an eight-quarter Exchange Bank (#8468) average of 2.90% (Exchange Bank (#8468) compression -0.34 points); Exchange Bank (#8468) real-estate loans 54.5% of equity; Exchange Bank (#8468) non-residential real estate 42.5% of equity; Exchange Bank (#8468) rate-exposure score 40/100, Exchange Bank (#8468) fixed-rate trap 40/100; Exchange Bank (#8468) risk type credit driven; Exchange Bank (#8468) rate regime rates elevated, Exchange Bank (#8468) snapshot October 19, 2026.
Exchange Bank (#8468) stress score moved from 68.1 on June 22, 2026 to 68.2 on October 19, 2026; Exchange Bank (#8468) ranged 68.1 to 68.2 over 116 snapshots.
Exchange Bank (#8468) alerts: 4 counties; top Exchange Bank (#8468) alert scores: Los Altos County, CA 22 (low); Roseville County, CA 22 (low); San Rafael County, CA 22 (low); Windsor County, CA 22 (low).