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545 Fourth Street
Santa Rosa
CA, 95401
United States
Steve Herron

Who we are

Exchange Bank’s commitment to generations of North Bay families, farmers and business owners has been going strong for over 127 years, which makes us a stable and trusted partner for you.


Why we are different

Locally owned, locally managed—all decisions are made locally. We work with you one on one, you will always have a person whom you know to call. The money you deposit with us and the capital we loan stays within our community. We answer to Main Street, not Wall Street.


How we add value to you

  • We take a holistic approach with our clients—lending capital is only one facet of what we do.
  • Financial and strategic consultation by tapping into our vast experience and observation of many businesses in our industry to help you build a wealth generating business.
  • We don’t have “off the shelf” products—we provide you customized solutions to meet your needs.
  • 18 Branch locations that are more than happy to take care of you and your employees.



For Wineries

  • Inventory Lines of Credit
  • Equipment/barrel loans
  • Winery acquisition and development
  • SBA Lending Programs for expansion and purchase
  • Equipment Leasing up to 100%

For Vineyards

  • Vineyard Long Term Real Estate Loans
  • Vineyard Development or Re-development
  • RED Blotch/Disease Replanting
  • Crop Loans
  • Equipment loans
  • SBA Lending Programs

We work with all sizes of wineries, vineyard operations, Farmers, custom crush providers, vineyard managers, organic dairy farmers, and food processors.

Contact Exchange Bank’s Commercial Banking team to discuss our customized lending programs for farmers, ranchers, and agribusiness owners. We’ll come to you to meet and discuss your business and its banking needs.

Member FDIC 


Exchange Bank Ag Lending 2018
Exchange Bank Ag Lending 2018
Exchange Bank Ag Lending
Exchange Bank Ag Lending
Exchange Bank Commercial Lending AD
Exchange Bank Commercial Lending AD
Why finance equipment with Exchange Bank Leasing?
Title Name Email Phone
SVP/Manager Commercial Banking Steve Herron 707-524-3102
VP/Commercial Loan Officer Jason Hinde 707-541-1455
Equipment Leasing Janae Simmons 707-521-5023
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Business Equipment Leasing and Financing