Exchange Bank
Exchange Bank (Santa Rosa, CA), a community bank, provides a range of personal, commercial, and trust and investment management services in California. The company offers personal banking products and services, including checking and savings accounts; home loans, personal lines of credit, unsecured personal loans, and auto loans; overdraft line of credit accounts; and credit cards. It also provid… Read more
Exchange Bank (EXSR) - Net Assets
Latest net assets as of December 2025: $346.73 Million USD
Based on the latest financial reports, Exchange Bank (EXSR) has net assets worth $346.73 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.30 Billion) and total liabilities ($2.96 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $346.73 Million |
| % of Total Assets | 10.49% |
| Annual Growth Rate | 5.34% |
| 5-Year Change | 8.62% |
| 10-Year Change | 83.29% |
| Growth Volatility | 11.58 |
Exchange Bank - Net Assets Trend (2002–2025)
This chart illustrates how Exchange Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Exchange Bank (2002–2025)
The table below shows the annual net assets of Exchange Bank from 2002 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $346.73 Million | +23.47% |
| 2024-12-31 | $280.81 Million | +10.94% |
| 2023-12-31 | $253.11 Million | +25.29% |
| 2022-12-31 | $202.02 Million | -36.71% |
| 2021-12-31 | $319.20 Million | +4.68% |
| 2020-12-31 | $304.92 Million | +12.59% |
| 2019-12-31 | $270.81 Million | +16.95% |
| 2018-12-31 | $231.57 Million | +13.96% |
| 2017-12-31 | $203.21 Million | +7.42% |
| 2016-12-31 | $189.17 Million | +9.28% |
| 2015-12-31 | $173.11 Million | +8.14% |
| 2014-12-31 | $160.07 Million | +3.27% |
| 2013-12-31 | $155.01 Million | -0.90% |
| 2012-12-31 | $156.42 Million | -4.05% |
| 2011-12-31 | $163.02 Million | +3.68% |
| 2010-12-31 | $157.23 Million | +4.71% |
| 2009-12-31 | $150.15 Million | -2.36% |
| 2008-12-31 | $153.77 Million | +14.51% |
| 2007-12-31 | $134.29 Million | +4.91% |
| 2006-12-31 | $128.00 Million | +6.46% |
| 2005-12-31 | $120.24 Million | +5.71% |
| 2004-12-31 | $113.74 Million | +4.58% |
| 2003-12-31 | $108.76 Million | +3.79% |
| 2002-12-31 | $104.80 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Exchange Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $346.73 Million | 100.00% |
| Total Equity | $346.73 Million | 100.00% |
Exchange Bank Competitors by Market Cap
The table below lists competitors of Exchange Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Fiera Milano SpA
F:FM3
|
$93.64 Million |
|
Nextensa NV
BR:NEXTA
|
$93.65 Million |
|
DEFAMA Deutsche Fachmarkt AG
XETRA:DEF
|
$93.65 Million |
|
Asia Plus Group Holdings PCL
BK:ASP
|
$93.67 Million |
|
Golden Long Teng Development Co Ltd
TWO:3188
|
$93.62 Million |
|
Lyons Bancorp Inc
OTCQX:LYBC
|
$93.62 Million |
|
Vantage Drilling International
PINK:VTDRF
|
$93.60 Million |
|
Claritev Corporation
NYSE:CTEV
|
$93.54 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Exchange Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 280,809,000 to 346,727,000, a change of 65,918,000 (23.5%).
- Net income of 29,968,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 101,094,000.
- Other factors decreased equity by 65,144,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $29.97 Million | +8.64% |
| Other Comprehensive Income | $101.09 Million | +29.16% |
| Other Changes | $-65.14 Million | -18.79% |
| Total Change | $- | 23.47% |
Book Value vs Market Value Analysis
This analysis compares Exchange Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.55x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.83x to 0.55x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $61.13 | $112.00 | x |
| 2003-12-31 | $63.44 | $112.00 | x |
| 2004-12-31 | $66.35 | $112.00 | x |
| 2005-12-31 | $70.14 | $112.00 | x |
| 2006-12-31 | $74.67 | $112.00 | x |
| 2007-12-31 | $78.38 | $112.00 | x |
| 2008-12-31 | $89.67 | $112.00 | x |
| 2009-12-31 | $87.58 | $112.00 | x |
| 2010-12-31 | $91.71 | $112.00 | x |
| 2011-12-31 | $95.09 | $112.00 | x |
| 2012-12-31 | $75.65 | $112.00 | x |
| 2013-12-31 | $90.42 | $112.00 | x |
| 2014-12-31 | $92.65 | $112.00 | x |
| 2015-12-31 | $101.01 | $112.00 | x |
| 2016-12-31 | $110.33 | $112.00 | x |
| 2017-12-31 | $118.54 | $112.00 | x |
| 2018-12-31 | $135.06 | $112.00 | x |
| 2019-12-31 | $157.97 | $112.00 | x |
| 2020-12-31 | $177.86 | $112.00 | x |
| 2021-12-31 | $186.19 | $112.00 | x |
| 2022-12-31 | $117.84 | $112.00 | x |
| 2023-12-31 | $148.98 | $112.00 | x |
| 2024-12-31 | $163.80 | $112.00 | x |
| 2025-12-31 | $202.25 | $112.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Exchange Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.64%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.26%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.53x
- Recent ROE (8.64%) is below the historical average (10.06%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 12.88% | 18.33% | 0.07x | 10.08x | $3.02 Million |
| 2003 | 13.37% | 18.56% | 0.07x | 10.65x | $3.66 Million |
| 2004 | 14.47% | 19.72% | 0.07x | 11.29x | $5.08 Million |
| 2005 | 16.18% | 19.59% | 0.07x | 11.65x | $7.43 Million |
| 2006 | 16.90% | 18.98% | 0.07x | 11.89x | $8.83 Million |
| 2007 | 9.98% | 14.88% | 0.06x | 11.98x | $-30.00K |
| 2008 | -12.03% | -21.52% | 0.05x | 10.62x | $-33.88 Million |
| 2009 | -2.57% | -4.45% | 0.06x | 10.34x | $-18.88 Million |
| 2010 | 6.52% | 11.43% | 0.06x | 9.67x | $-5.47 Million |
| 2011 | 7.47% | 14.03% | 0.05x | 9.82x | $-4.12 Million |
| 2012 | 7.84% | 14.38% | 0.05x | 10.86x | $-3.38 Million |
| 2013 | 10.15% | 18.63% | 0.05x | 11.51x | $228.00K |
| 2014 | 11.06% | 20.87% | 0.04x | 11.79x | $1.70 Million |
| 2015 | 12.15% | 23.59% | 0.04x | 11.91x | $3.72 Million |
| 2016 | 11.37% | 23.06% | 0.04x | 11.52x | $2.58 Million |
| 2017 | 9.60% | 18.54% | 0.04x | 12.72x | $-812.50K |
| 2018 | 16.63% | 32.34% | 0.04x | 11.46x | $15.35 Million |
| 2019 | 13.48% | 28.99% | 0.05x | 9.87x | $9.42 Million |
| 2020 | 11.05% | 27.80% | 0.04x | 10.29x | $3.21 Million |
| 2021 | 11.41% | 30.61% | 0.03x | 11.08x | $4.49 Million |
| 2022 | 18.55% | 29.85% | 0.04x | 16.50x | $17.28 Million |
| 2023 | 7.91% | 17.69% | 0.03x | 13.18x | $-5.35 Million |
| 2024 | 8.49% | 21.60% | 0.03x | 11.75x | $-4.23 Million |
| 2025 | 8.64% | 19.26% | 0.05x | 9.53x | $-4.70 Million |
Industry Comparison
This section compares Exchange Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Exchange Bank (EXSR) | $346.73 Million | 12.88% | 8.53x | $93.63 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |