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Exchange Bank (EXSR) investor relations material
Exchange Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income after taxes for Q2 2025 was $7.0 million, up from $5.2 million in Q2 2024, a 34% increase.
Year-to-date net income through June 2025 reached $12.7 million, compared to $10.1 million for the same period in 2024.
Total assets as of June 30, 2025, were $3.27 billion, slightly down from $3.31 billion a year earlier.
Financial highlights
Net interest income for Q2 2025 rose by $2.2 million (11%) to $22.5 million year-over-year, driven by higher loan volumes and lower borrowing costs.
Non-interest income increased by $876 thousand (15%) to $6.6 million, mainly due to a $700 thousand life insurance benefit.
Non-interest expenses for the first half of 2025 were $39.4 million, up less than 3% from the prior year.
Basic earnings per share for Q2 2025 was $4.11, up from $3.05 in Q2 2024.
Outlook and guidance
Management expects investment portfolio paydowns of approximately $100 million through the rest of 2025, based on current rate conditions.
Forward-looking statements caution that actual results may differ due to various risks and uncertainties.
Assess the actual risk from AFS unrealized losses
Detail strategies to maintain core deposit relationships
How will liquidity be managed post-BTFP payoff?
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Q3 20257 Nov, 2025
Next Exchange Bank earnings date
Q3 20257 Nov, 2025
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Frequently asked questions
Exchange Bank is a U.S.-based community bank providing a range of financial services primarily to individuals, businesses, and organizations in California. The bank offers traditional banking products, including checking and savings accounts, personal and business loans, mortgages, and credit solutions. In addition to retail banking, Exchange Bank provides wealth management and trust services, supporting clients with financial planning, investment, and estate management. The company is headquartered in Santa Rosa, California, and its shares are traded on the OTC Markets.
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