Call reports 2026
EXCHANGE BANK — 2026
What EXCHANGE BANK 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 | 414,288,000 | 410,305,000 |
| Total loans | 290,764,000 | 306,621,000 |
| Allowance for loan losses | 4,492,000 | 4,489,000 |
| Securities available for sale | 64,220,000 | 63,289,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 364,408,000 | 358,860,000 |
| Interest-bearing deposits | 268,316,000 | 258,208,000 |
| Noninterest-bearing deposits | 96,092,000 | 100,652,000 |
| Equity capital | 37,890,000 | 39,245,000 |
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 | 6,010,000 | 12,517,000 |
| Interest expense | 1,447,000 | 2,672,000 |
| Net interest income | 4,563,000 | 9,845,000 |
| Noninterest income | 487,000 | 911,000 |
| Noninterest expense | 2,984,000 | 6,248,000 |
| Provision for loan losses | 73,000 | 73,000 |
| Pretax income | -4,400,000 | -1,927,000 |
| Income tax | -955,000 | -461,000 |
| Net income | -3,445,000 | -1,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 48,530,000 | 50,025,000 |