Logotype for Exchange Bank

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.
Logotype for Exchange Bank
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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Exchange Bank earnings date

Logotype for Exchange Bank
Q3 202531 Oct, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Exchange Bank earnings date

Logotype for Exchange Bank
Q3 202531 Oct, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage