Northeast Indiana Bancorp Surges Ahead in Q4 2025, Demonstrating Robust Financial Performance
**Huntington, IN – January 27, 2026** – Northeast Indiana Bancorp, Inc. (OTCQB: NIDB), the holding company for First Federal Savings Bank, has reported a significant leap in its fourth-quarter financial results for 2025. The bank announced a net income of $1.77 million, or $0.75 per diluted common share, a substantial increase from the $972,000, or $0.41 per diluted common share, recorded in the same period of 2024. This performance translates to an annualized return on average assets (ROA) of 1.27% and an annualized return on average equity (ROE) of 13.14% for the quarter, significantly outperforming the 0.74% ROA and 8.01% ROE from the prior year’s fourth quarter.
The strong quarterly earnings reflect a healthy growth trajectory throughout 2025. For the full year, Northeast Indiana Bancorp achieved a net income of $6.3 million, or $2.64 per diluted common share, a notable improvement from the $4.3 million, or $1.80 per diluted common share, reported for 2024. The annualized ROA for the full year stood at 1.14%, with an ROE of 12.32%, up from 0.84% ROA and 9.13% ROE in the preceding year.
Several key factors contributed to this impressive financial upswing. Net interest income saw a substantial increase of $838,000 in the fourth quarter of 2025 compared to the prior year. This growth in core banking revenue was complemented by a decrease in the provision for credit loss expense, which fell by $574,000 for the quarter. While total non-interest income saw a slight dip to $611,000 from $660,000 in the fourth quarter of 2024, a strategic focus on operational efficiency is evident in the bank’s management of non-interest expenses, which rose to $3.33 million from $3.13 million, indicating controlled growth in operational spending alongside revenue expansion.
On the balance sheet, Northeast Indiana Bancorp experienced robust asset growth. Total assets expanded by 7% to $559.3 million by the end of 2025, up from $522.3 million in the prior year. This growth was primarily driven by an 8.9% increase in total net loans, which reached $425.3 million. Deposit growth also remained strong, with total deposits climbing 6.3% to $455.8 million. Shareholders’ equity also saw a healthy increase, rising to $54.9 million from $48.3 million, reflecting both retained earnings and a growing market valuation, with the book value per share increasing to $23.19 from $20.14.
Beyond its financial performance, Northeast Indiana Bancorp continues to demonstrate a commitment to shareholder value and financial stability, evidenced by its sustained presence on the Dividend Champions List. Achieving this distinction requires a company to increase its dividend payments for 25 consecutive years. Northeast Indiana Bancorp has now extended this streak to 31 consecutive years, underscoring its consistent dedication to rewarding its investors.
Michael S. Zahn, President and CEO, expressed his satisfaction with the year’s results. “I am very pleased with our financial performance in 2025,” Zahn stated. “Our team does an amazing job serving our customers and our communities. I am optimistic that we will continue to meet the expectations of our customers and shareholders while helping to make the communities which we serve the best versions of themselves.”
Northeast Indiana Bancorp operates nine full-service banking offices across Indiana, located in Huntington (3), Warsaw (2), Fort Wayne (3), and Roanoke (1). The company trades on the OTCQB platform under the symbol NIDB and its website is www.firstfedindiana.bank.
The company’s financial health, marked by strong earnings growth, expanding loan portfolios, and a consistent dividend payout history, positions it favorably within the regional banking landscape. As the economic environment continues to evolve, Northeast Indiana Bancorp’s strategic focus on customer service, operational efficiency, and shareholder returns suggests a resilient business model capable of navigating future challenges and opportunities.
This press release may contain forward-looking statements based on management’s current expectations. Actual results could differ materially due to various factors including general economic conditions, interest rate fluctuations, loan demand, competition, and regulatory changes.
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