)
Visual
test
Exchange Bank
Exchange Bank (EXSR) investor relations material
Exchange Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary2 Feb, 2026
Executive summary
Net income after tax for 2025 was $29.97 million, up from $23.85 million in 2024, a 25.6% increase.
Fourth quarter 2025 net income was $8.76 million.
Loan balances grew by 6.97% ($112.87 million) and deposit balances increased by 1.52% ($43.03 million) in 2025.
Total assets reached $3.30 billion as of December 31, 2025.
Financial highlights
Net interest income rose 11.6% to $90.69 million in 2025.
Interest income increased by $4.08 million year-over-year, mainly from higher loan interest and fees.
Interest expense decreased by $5.35 million, largely due to paying off a $100 million Federal Reserve borrowing.
Non-interest income increased by $3.42 million to $26.80 million, aided by a $700k life insurance benefit and $1.4 million gain on sale of premises.
Non-interest expense rose 2.18% to $78.55 million.
Outlook and guidance
Forward-looking statements highlight potential risks and uncertainties due to economic, legislative, and regulatory factors.
BTFP payoff's net interest income benefit
Assess the increase in nonaccrual loans
How do unrealized losses affect regulatory capital?
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Exchange Bank
- 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.EXSRQ2 202525 Aug 2025
- Q1 net income up 15% year-over-year, with strong capital, liquidity, and reduced borrowings.EXSRQ1 202525 Aug 2025
- Q3 2024 net income held steady at $4.9M, with robust capital and liquidity metrics.EXSRQ3 202413 Jun 2025
- Q2 net income increased, but margin and deposits declined amid elevated funding costs.EXSRQ2 202413 Jun 2025
- 2024 net income increased 18% year-over-year, supported by strong capital and loan quality.EXSRQ4 20245 Jun 2025
Next Exchange Bank earnings date
Q1 202628 Apr, 2026
Exchange Bank
Next Exchange Bank earnings date
Q1 202628 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, 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.
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.
)
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.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
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.
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.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Explore our global coverage