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Edge14 Aug 2026
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Exchange Bank
Exchange Bank (EXSR) investor relations material
Exchange Bank Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary30 Jul, 2026
Executive summary
Net income after taxes for Q2 2026 was $7.3 million, up from $7.0 million in Q2 2025.
Net interest income rose 7.7% year-over-year to $24.2 million.
Total assets stood at $3.2 billion as of June 30, 2026.
The bank maintains strong liquidity with $773.6 million in liquid assets and $1 billion in borrowing capacity.
Regulatory capital ratios remain well above requirements, with a total risk-based capital ratio of 20.2%.
Financial highlights
Net interest income increased by $1.7 million year-over-year to $24.2 million.
Non-interest income declined by $0.4 million to $6.2 million.
Non-interest expense rose 4.6% to $20.6 million.
Net income for the first six months of 2026 was $14.8 million, up 16.96% from $12.7 million in 2025.
Basic earnings per share for Q2 2026 was $4.26, up from $3.27 in Q2 2025.
Outlook and guidance
Management highlights ongoing competition for deposits and strategic focus on maintaining core deposit relationships.
Forward-looking statements note potential impacts from economic, regulatory, and market conditions.
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Latest events from Exchange Bank
- Net income surged 33.7% to $7.51M, driven by higher net interest income and loan growth.EXSR
Q1 2026 - Net income up 25.6% to $29.97M in 2025, with strong capital and improved efficiency.EXSRQ4 2025
- Q3 2025 net income surged 75% to $8.6M, with strong loan growth and robust capital ratios.EXSRQ3 2025
- Q2 2025 net income surged 34% to $7.0M, with strong capital and liquidity metrics.EXSRQ2 2025
- Q1 net income up 15% year-over-year, with strong capital, liquidity, and reduced borrowings.EXSRQ1 2025
- Q3 2024 net income held steady at $4.9M, with robust capital and liquidity metrics.EXSRQ3 2024
- Q2 net income increased, but margin and deposits declined amid elevated funding costs.EXSRQ2 2024
- 2024 net income increased 18% year-over-year, supported by strong capital and loan quality.EXSRQ4 2024
Next Exchange Bank earnings date
Q3 202630 Oct, 2026
Exchange Bank
Next Exchange Bank earnings date
Q3 202630 Oct, 2026
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Amina0781App Store
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@theshortbearx.com
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