Call reports 2026
EXCHANGE BANK CO. — 2026
What EXCHANGE BANK CO. reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 357,623,000 | 341,506,000 |
| Total loans | 208,000,000 | 209,381,000 |
| Allowance for loan losses | 3,153,000 | 3,063,000 |
| Securities available for sale | 91,822,000 | 92,084,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 324,547,000 | 306,127,000 |
| Interest-bearing deposits | 229,063,000 | 227,262,000 |
| Noninterest-bearing deposits | 95,484,000 | 78,865,000 |
| Equity capital | 30,440,000 | 32,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 4,734,000 | 9,552,000 |
| Interest expense | 1,267,000 | 2,558,000 |
| Net interest income | 3,467,000 | 6,994,000 |
| Noninterest income | 343,000 | 598,000 |
| Noninterest expense | 2,017,000 | 4,113,000 |
| Provision for loan losses | 98,000 | -1,000 |
| Pretax income | 1,770,000 | 3,456,000 |
| Income tax | 0 | 0 |
| Net income | 1,770,000 | 3,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 30,901,000 | 31,740,000 |
| Total capital | 34,098,000 | — |
| Risk-weighted assets | 255,740,000 | — |