Exchange Bank Stock Price, News & Analysis

Exchange Bank (OTC: EXSR) reported Q3 2025 net income of $8.6M versus $4.9M a year earlier, driven by a 17% rise in net interest income and a $1.4M gain on sale of bank premises. YTD net income through September was $21.2M versus $15.0M a year earlier. Gross loans grew by $103.9M (6% YoY) to $1.7B. On-balance sheet liquidity totaled $915.7M (28% of assets) and available borrowing capacity is ~ $1B. Total assets were $3.31B; investment portfolio market value was $1.24B with unrealized losses of $63.7M net of tax. Regulatory capital remained strong with a total risk-based capital ratio of 19.46% and leverage ratio of 11.81% as of September 30, 2025.

Exchange Bank (OTC: EXSR) appointed Karen Serpa as Assistant Vice President, Marketing Communications Manager effective October 21, 2025.

Karen has more than 15 years of marketing and communications experience across financial services and MedTech. She led a local bank rebranding that coincided with growth from 9 to 37 branches in California, established a marketing department, and managed consumer campaigns to drive engagement. She holds a master’s degree in English literature from San Francisco State University and is active in community organizations in Santa Rosa.

Exchange Bank (OTC: EXSR) has appointed Marbin Morales as Vice President, Branch Manager III to oversee operations at both the Rohnert Park and Cotati branches. Morales brings over a decade of banking experience, having previously held positions at Wells Fargo Bank, Luther Burbank Savings, U.S. Bank, and most recently served as Assistant Vice President and Branch Manager at Summit State Bank.

A 2025 Forty Under 40 honoree by the North Bay Business Journal, Morales is actively involved in the Sonoma County community, serving on multiple boards and volunteering with local organizations. His appointment aligns with Exchange Bank's commitment to community banking and leadership.

Exchange Bank (OTC: EXSR) has announced the promotion of Ivan Luna to Branch Manager II at its Stony Point branch. Luna, who joined the bank in 2012 as a utility teller, will also be nominated for Assistant Vice President at the next board meeting.

Throughout his tenure, Luna has progressed through various roles, most recently serving as Retail Sales Manager II in Rohnert Park. In his new position, he will focus on expanding business banking relationships and enhancing customer service. Luna is actively involved in the community, participating in local nonprofits and maintaining membership in the Hispanic Chamber of Commerce.

Exchange Bank (EXSR) has declared a quarterly cash dividend of $1.30 per share on common stock. The dividend will be paid on September 19, 2025, to shareholders of record as of September 5, 2025.

Notably, $1.12 million, representing 50.44% of the Bank's cash dividend, will be allocated to the Doyle Trust, which funds Doyle Scholarships at Santa Rosa Junior College, demonstrating the bank's continued commitment to educational support in the community.

Exchange Bank (OTC: EXSR) has appointed Santiago Ramirez as Vice President, Branch Manager III of its Windsor branch. Ramirez, who joined Exchange Bank in 2016, has progressed through various roles from Senior Customer Care Representative to his current leadership position.

Throughout his tenure, Ramirez has demonstrated strong leadership and customer service skills while maintaining active involvement in community service through organizations like the Redwood Empire Food Bank, Catholic Charities, and Farm to Pantry. In his new role, he will oversee the Windsor branch operations, lead staff, and strengthen the bank's community connections.

Exchange Bank (OTC: EXSR) has appointed Angelica Nuñez as Vice President and Commercial Relationship Manager to their Commercial Lending team. Nuñez brings over 20 years of banking experience, having previously worked at Chase Bank and Bank of America serving retail and business clients in the North Bay area.

In her new role, Nuñez will focus on developing new business relationships throughout the North Bay while collaborating with local branch managers to support loan growth and provide personalized banking solutions. A Windsor resident and active community member, she serves on various local boards including the Providence Health Board and has been a commissioner for the District 4 County of Sonoma Status of Women.

Exchange Bank (OTC: EXSR) has announced the promotion of Stacy McKee to the position of Vice President & Controller. McKee, who joined the bank in 2003, has served in various roles over her 22-year tenure, including Accounting Specialist, Accounting Supervisor, and Assistant Vice President and Assistant Controller.

In her new role, McKee will be responsible for overseeing the bank's financial reporting and accounting operations, driving process improvements, and supporting regulatory compliance. She holds a Bachelor of Science degree with a concentration in Accounting from Eastern Oregon University and will continue to focus on mentoring and developing the Finance team.

Exchange Bank (OTC: EXSR) has announced the promotion of Jamie Hidalgo to Senior Vice President, Risk Management. Hidalgo, who joined the bank in March 2021, brings over 22 years of community banking experience and has been instrumental in transforming the bank's compliance infrastructure.

In her elevated role, Hidalgo will continue leading the bank's enterprise risk strategy and governance initiatives. She holds CRCM and CAMS certifications and is pursuing a CERP designation. Beyond her professional duties, Hidalgo serves on the board of United Cerebral Palsy and is actively involved in community initiatives including Mentor Me Petaluma.