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Exchange Bank: California Community Banking in Sonoma County Since 1890

A Santa Rosa bank chartered in 1890, Exchange Bank has served Sonoma, Marin and Napa county families and small businesses for 130+ years. Checking accounts, home loans underwritten locally, small-business lending decisions made by bankers who know Wine Country, and modern digital banking — all backed by FDIC deposit insurance and 17 Northern California branches.

Not a national chain. Credit decisions stay in Sonoma County, not a remote call centre. The institution is a Preferred SBA lender, an Equal Housing Lender and a member of the FDIC. Sign-in guide lives at the account access walkthrough.

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Exchange Bank digital banking dashboard showing checking, savings, home-loan status and recent Sonoma County transactions in teal and amber

Rooted in Sonoma County Since 1890

Exchange Bank is chartered by the California Department of Financial Protection and Innovation, FDIC-insured, an Equal Housing Lender and a Preferred SBA Lender. Mortgage originations are licensed under NMLS.

FDIC insured community bank badge for deposit insurance coverage
Equal Housing Lender emblem for fair-lending compliance
NMLS-registered mortgage originations
SBA Preferred Lender for small-business loans
California DFPI state-chartered supervision

Everyday Banking, Sonoma County Roots

Four doors into the full product set — personal, small-business, digital and local service.

Personal Banking

Fee-free checking accounts, interest-bearing savings, certificates of deposit at competitive local rates, money market accounts and first-time-homebuyer home loans underwritten in Santa Rosa. Vehicle financing with pre-approval in hours, not days.

Small Business Banking

Tiered small-business checking for Main Street operators, term loans and lines of credit, commercial real estate financing and merchant processing. Preferred SBA lender status means faster SBA 7(a) and 504 decisions.

Digital Banking

Full digital banking, mobile app with biometric sign-in and mobile-deposit, free bill payment, wire services, real-time smart alerts and paperless statements.

Local Service

17 full-service branches across Sonoma, Marin and Napa counties. Saturday hours at most locations. Relationship bankers who answer their own phones. Connect at the branch directory or 1-800-995-4066.

By the Numbers

A California community bank with deep Wine Country roots and modern digital reach.

1890Year Chartered in Santa Rosa
17Branches Across Wine Country
$3.1BTotal Assets Under Management
60K+Sonoma County Households Served

Why Sonoma County Banks Locally

Three operational differences between a national chain and a community-chartered California institution.

Local Underwriting, Real Decisions

Every home loan, small-business loan and SBA credit at Exchange Bank is underwritten locally in Santa Rosa. No remote processing centre reviewing your file in another time zone. Loan officers know Sonoma County vineyards, Petaluma dairy operations, Healdsburg hospitality businesses and Napa cross-pollination. That context becomes faster decisions and smarter loan structures.

According to Federal Reserve community-banking research, small community banks originate a disproportionate share of small-business lending relative to asset size — a direct consequence of the local-underwriting model.

Personal banking view with checking balance, savings APY, home-loan status and recent activity in teal-accented dashboard
Small-business banking dashboard with tiered checking, SBA loan pipeline, merchant processing and line of credit

Small-Business Banking for Wine Country

Tiered small-business checking, seasonal lines of credit, equipment financing, commercial real estate lending and SBA 7(a)/504 packaging. As a Preferred SBA lender, decisions happen in-house — saving weeks on well-documented applications compared to non-preferred lenders.

Merchant processing integrates with QuickBooks, Toast, Square and Clover POS systems. Payroll and ACH origination available for employers outgrowing pen-and-paper cheques.

Modern Digital & Mobile

Full-feature digital banking with free bill payment, scheduled transfers, paperless statements and real-time account alerts. The mobile app supports Face ID / Touch ID sign-in, mobile cheque deposit, card lock/unlock, Zelle person-to-person payments and spending categorisation.

Security follows SOC 2-aligned practices: TLS 1.3 encryption, multi-factor authentication, automatic sign-out on idle, and fraud-detection alerts on unusual card activity. Report a lost or stolen card 24/7 at 1-800-995-4066.

Digital banking overview with mobile app, bill payment, wire services and smart alerts

Voices From Wine Country Customers

Operational outcomes from Northern California personal and small-business clients.

"Home Loan Closed Before Harvest"

"We bought our first home outside Healdsburg. A national lender was at 52 days to close. The mortgage officer at the Santa Rosa branch closed us in 24 days. Rate locked, appraisal scheduled locally, file underwritten in-town. Wine Country inventory moves fast — waiting for a big-bank decision would have cost us the property."

— Nicholas P., Vintner & Homeowner, Sonoma Valley Produce Co. (Santa Rosa, CA)

"SBA 7(a) for Mill Expansion"

"Our Russian River lumber operation needed $820K in SBA 7(a) credit to open a second yard in Guerneville. The commercial team packaged the application in-house. Funded in seven weeks. A non-preferred lender quoted us 16. That second yard now handles 35% of revenue."

— Marguerite V., CFO, Russian River Lumber Company (Petaluma, CA)

"Business Checking Without the Surprises"

"Our previous bank had eight line-items we couldn't predict. Moved our operating accounts. Clear tier pricing, same-day ACH, merchant processing that integrated cleanly with Toast POS. Saved roughly $5,600 in banking fees last year across three operating accounts."

— Kenneth L., Founder, Healdsburg Innovation Labs (Healdsburg, CA)

Ready to Bank Locally?

Open an account online, visit any of the 17 branches, or reach a community banker at 1-800-995-4066. First-time digital banking users can enroll from the account access page in under five minutes.

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People Also Ask

What is Exchange Bank?
Exchange Bank is a Sonoma County community bank founded in Santa Rosa in 1890. Serves Northern California with personal, small-business, home loan and digital banking. FDIC-insured, EHL, Preferred SBA Lender, NMLS-registered. See the heritage page.
How do I log in to online banking?
Open the account access walkthrough and enter your User ID and password. First-time users enroll via the Exchange Bank Login guide with account number and SSN last four.
Is Exchange Bank the same as National Exchange Bank?
No — separate institutions. See National Exchange Bank comparison for the full distinction.
What is the customer service number?
1-800-995-4066, M-F 8am-6pm and Sat 9am-2pm PT. Lost/stolen cards reportable 24/7. Branch directory at connect-with-us.
Where are branches located?
17 branches across Sonoma, Marin and Napa counties including Santa Rosa main, Petaluma, Sebastopol, Healdsburg, Sonoma, Rohnert Park, Windsor, Cloverdale, Napa, Novato and Glen Ellen. See branch directory.
Do you offer home loans?
Yes — conforming fixed and adjustable, FHA, VA, CalHFA first-time-buyer programs, construction-to-permanent and home-equity lines. Underwritten locally in Santa Rosa. See home loans.
Are you a Preferred SBA Lender?
Yes — Preferred Lender status. SBA 7(a) and 504 decisions in-house, typically 6–8 weeks vs 10–12 for non-preferred. See SBA Preferred Lending.

California Community Banking — Topic Cluster