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Exchange Bank (EXSR) investor relations material
Exchange Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income after tax for Q1 2026 was $7.51 million, up from $5.61 million in Q1 2025, a 33.7% increase.
Total assets stood at $3.27 billion as of March 31, 2026, a slight decrease of 0.23% year-over-year.
The bank remains well-capitalized, with all regulatory capital ratios well above minimum requirements.
Financial highlights
Net interest income rose 16.84% year-over-year to $24.43 million, driven by higher loan interest and lower interest expense.
Non-interest income was $6.33 million, nearly unchanged from the prior year.
Non-interest expense increased 4.27% to $20.63 million.
Basic earnings per share increased to $4.38 from $3.27 year-over-year.
Outlook and guidance
Management expects over $200 million in investment portfolio cashflow through the remainder of 2026.
Forward-looking statements caution that actual results may differ due to various risks and uncertainties.
- Net income up 25.6% to $29.97M in 2025, with strong capital and improved efficiency.EXSR
Q4 202517 Feb 2026 - Q3 2025 net income surged 75% to $8.6M, with strong loan growth and robust capital ratios.EXSR
Q3 202511 Dec 2025 - Q2 2025 net income surged 34% to $7.0M, with strong capital and liquidity metrics.EXSR
Q2 202525 Aug 2025 - Q1 net income up 15% year-over-year, with strong capital, liquidity, and reduced borrowings.EXSR
Q1 202525 Aug 2025 - Q3 2024 net income held steady at $4.9M, with robust capital and liquidity metrics.EXSR
Q3 202413 Jun 2025 - Q2 net income increased, but margin and deposits declined amid elevated funding costs.EXSR
Q2 202413 Jun 2025 - 2024 net income increased 18% year-over-year, supported by strong capital and loan quality.EXSR
Q4 20245 Jun 2025
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