Exchange Bank Announces Third Quarter 2026 Earnings
Exchange Bank reported Q3 2026 net income of $8.9 million, up from $8.6 million a year earlier, with EPS of $5.17 vs $4.99, and nine-month net income of $23.7 million vs $21.2 million. Net interest income rose 8.4% to $25.2 million as funding costs fell, while non-interest income dropped 13.8% to $6.4 million on the absence of two one-time 2025 gains. The balance sheet contracted modestly: assets fell 3.7% to $3.2 billion and deposits declined 3.4%, largely from a planned $90 million outflow from two large depositors.
Key figures
- Eps
- 5.17
- Revenue Yoy
- 8.4% net interest income growth
- Net income
- 8868000
- Book equity
- 344357000
- Gross loans
- 1751341000
- Total assets
- 3185692000
- Leverage ratio
- 12.8%
- Total deposits
- 2789363000
- Nonaccrual loans
- 7000000
- Dividends per share
- 1.35
- Net interest income
- 25176000
- Net income prior year
- 8557000
- Nine month net income
- 23671000
- Net interest income yoy
- 8.4%
- Allowance for credit losses
- 30545000
- Unrealized losses net of tax
- 73100000
- Total risk based capital ratio
- 20.5%
AI analysis
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