Exchange Bank Stock Price, News & Analysis

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.

Exchange Bank (OTC: EXSR) reported strong second quarter 2025 financial results, with net income of $7.0 million, up from $5.2 million in Q2 2024. The bank's performance was marked by an 11% increase in net interest income to $22.5 million and a 15% rise in non-interest income to $6.6 million.

Key metrics show robust financial health with total assets of $3.27 billion and strong liquidity of $940.4 million (29% of total assets). The bank maintains a well-capitalized position with a total risk-based capital ratio of 19.83%. Deposits grew by $95.3 million year-over-year to $2.87 billion, with approximately 76% of deposits FDIC-insured. The loan portfolio increased to $1.63 billion with strong credit quality, showing non-accrual loans at just 0.32% of gross loans.

The bank's book equity increased by 23% to $316.4 million, and regulatory capital grew to $416.5 million. Notable improvements include reduced borrowings from $225 million to $40 million year-over-year.

Exchange Bank (OTC: EXSR) has announced the promotion of Lisa Ganame to the position of Treasurer. In her expanded role, Ganame will be responsible for liquidity management, capital planning, and the bank's investing and financing activities, while continuing to oversee finance-related data analytics and budgeting functions. Ganame, who joined Exchange Bank in September 2023 as Financial Planning and Analysis Officer, brings over 20 years of banking industry experience, including her previous role as Executive Director in Finance Transformation at JPMorgan Chase. She holds a BS in Systems Engineering and Economics from the University of Virginia and an MBA from UC Berkeley, and serves on financial committees for Impact 100 Sonoma and United Cerebral Palsy of the North Bay.

Exchange Bank (OTC: EXSR) has promoted Ali Spitzer to the position of Senior Vice President and Chief Credit Officer. Spitzer, who has progressed through various roles including Credit Analyst, Underwriter, Loan Officer, and Credit Administrator, brings extensive experience to her new position. She has been recognized as one of the North Bay Business Journal's Influential Women of 2025 and is a past recipient of their 40 Under 40 award.

Currently serving on the Santa Rosa Metro Chamber board, Spitzer has previously contributed to community recovery efforts through her involvement with the Sonoma Community Action Network and Business Alliance of Sonoma County, particularly during the Tubbs Fire crisis. Exchange Bank's President and CEO Troy Sanderson praised her leadership qualities and dedication to community banking principles.

Exchange Bank (EXSR) has declared a quarterly cash dividend of $1.30 per share on common stock for the second quarter of 2025. The dividend will be paid on June 20, 2025, to shareholders of record as of June 6, 2025. Notably, 50.44% (approximately $1.12 million) of the Bank's cash dividend will be allocated to the Doyle Trust, which funds the Doyle Scholarships at Santa Rosa Junior College.

Exchange Bank (OTC: EXSR) has announced the appointment of Jim Curry as Vice President and Branch Manager of its Healdsburg branch. Curry brings nearly 15 years of experience at Exchange Bank and over two decades of banking leadership experience. Since joining the bank in 2010, Curry has successfully managed multiple branches including Rohnert Park, Cotati, and most recently Windsor, where he earned the nickname "Mr. Windsor" for his active community involvement.

Throughout his tenure, Curry has demonstrated strong leadership in community engagement, serving on various organizations including the Cotati-Rohnert Park Education Foundation, Rotary Club of Rancho Cotati, and as Board Chair for the Windsor Chamber of Commerce. His appointment to the Healdsburg branch represents a strategic move to leverage his expertise in customer relationship building and community leadership.