The small regional bank in Speicher, in the canton of Appenzell Ausserrhoden, is therefore looking back on a successful year. According to the 2025 annual report, the institute managed to hold its ground both in the lending business and in client acquisition in a highly competitive market environment.

The bank also performed positively from a financial perspective. The balance sheet total rose year on year from around 79,5 million francs to nearly 80,7 million francs. Operating profit amounted to roughly 267’600 francs. The bottom line showed a net profit of 222’377 francs – 35’700 francs more than in the previous year.

Mortgage Business Remains Central

Ersparniskasse Speicher also passed on the interest rate cuts by the Swiss National Bank (SNB) to its clients. By the end of 2025, mortgage borrowers were able to take out a three-year fixed mortgage at 1,15 percent, as the institute explained. At the same time, interest paid on client deposits declined: savings balances were remunerated with between 0,20 and 0,375 percent at the end of the year.

Despite intense competition in the mortgage market, the number of departing clients remained low. At the same time, the bank succeeded in attracting new mortgage clients. The traditional interest margin business therefore continues to represent the central source of income for the bank in Appenzell Ausserrhoden.

Changes in the Foundation Board

There were also personnel changes. During the year, the team was strengthened by Iris Staub, who works at a 40 percent employment level.

There was also a change on the foundation board: Sascha Tscharner stepped down from the body at the end of the year at his own request. Raul Fetz took over as his successor as of 1 January 2026.

Focus on Client Proximity

Looking ahead, Ersparniskasse Speicher continues to rely on its strong regional roots and personal advisory services. Digital solutions are intended to complement its services and simplify processes.

The aim remains to strengthen the bank’s position in the mortgage and private client business and to maintain long-term client relationships.