Exchange Bank's 2025 net income rises 25.6%
Overview
Community bank's Q4 net income rose to $8.76 mln, with full-year income up 25.6%
Loan balances increased by 6.97% or $112.87 mln in 2025
Outlook
Exchange Bank did not provide specific future guidance
Result Drivers
NET INTEREST INCOME - Increased by 11.6% due to higher interest and fees on loans, offset by decreased interest on investment securities
INTEREST EXPENSE REDUCTION - Decreased by $5.35 mln
NON-INTEREST INCOME - Increased by $3.42 mln from life insurance benefits, sale of premises, and wealth management income
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Income |
| $8.76 mln |
|
Q4 Net Interest Income |
| $23.99 mln |
|
Q4 Basic EPS |
| $5.11 |
|
Q4 Pretax Profit |
| $10.23 mln |
|
Press Release: ID:nBw8bJHkGa
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