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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.
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.
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