Loan Growth

American Riviera Bancorp reported strong 2025 results, with net income rising to $12.4 million and earnings per share of $2.18. The bank saw significant growth in both loans, up 9.3% to $1.08 billion, and core deposits, up 7.8% to $1.20 billion. Net Interest Margin improved to 3.81%. Strategic initiatives, including a new lending center, position the bank for continued success.

Western Alliance Bancorporation reported strong Q4 and full-year 2025 results, driven by strategic growth and operational efficiency. The bank achieved record net interest income, revenues, and pre-provision net revenue (PPNR), alongside significant loan and deposit growth. Key financial highlights include substantial increases in net income and EPS, a healthy net interest margin, and an improved efficiency ratio. The company’s focus on core banking operations and risk management positions it well for continued earnings growth in 2026.

Calvin B. Taylor Bankshares reported strong Q3 2025 results, with net income reaching $4.2 million and year-to-date net income climbing 23.3% to $11.8 million. This growth was driven by a 17.6% increase in net interest income, alongside 8.2% loan growth and 6.0% deposit growth. The bank surpassed $1 billion in assets and maintains robust capital ratios. A new stock repurchase program, allowing for up to 10% of outstanding shares, has been authorized.

FIBI announced its Q3 2025 financial results, demonstrating growth and profitability. Net income for the first nine months reached NIS 1,748 million (ROE 16.9%). Q3 net income was NIS 581 million (ROE 16.2%), impacted by nonrecurring losses at CAL. Revenue increased by 6% year-over-year for the first nine months. Customer assets grew by 34.4% to NIS 1.074 trillion. The Board approved a dividend distribution of NIS 436 million. CEO Eli Cohen highlighted FIBI’s resilience and loan portfolio quality.

InsCorp (IBTN) reported strong Q3 2025 results with EPS rising to $0.79. Key metrics like ROA, ROATCE, and efficiency ratio improved Y/Y and Q/Q. INSBANK expanded into Murfreesboro, TN, hiring experienced bankers, resulting in $14.5 million in deposits and $11.7 million in loans in 45 days. Revenue grew 18% Y/Y. Net interest income also increased for the fifth consecutive quarter. Loan and deposit growth remain robust. The board approved a quarterly dividend of $0.11 per share.

American Riviera Bancorp (OTCQX: ARBV) reported a net income of $2.9 million ($0.51/share) for Q3 2025 and $7.9 million ($1.38/share) for the nine months ended September 30, 2025. Total deposits rose 11.3% to $1.26 billion, and total loans increased 6.7% to $1.04 billion. The net interest margin was 3.66%. While on-balance sheet liquidity remained strong and tangible book value increased, non-accrual loans notably rose to $9.8 million. The company repurchased 100,000 shares and plans expansion into Ventura County.

Middlefield Banc Corp (MBCN) reported strong results for the nine months ended September 30, 2025. Q3 highlights include diluted EPS of $0.65, a 37.3% increase in pre-tax, pre-provision earnings to $6.8 million, and a net interest margin of 3.79%. Total loans reached a record $1.61 billion and total assets $1.98 billion. Year-to-date diluted EPS was $2.01, and book value rose to $27.71 per share. Management cited loan growth, margin expansion, and a one-time real estate gain, while addressing a small portfolio of problem loans.

blueharbor bank (BLHK) reported strong Q3 2025 earnings, driven by loan growth and efficient operations. ROA reached 2.08% and ROE 18.54%. Diluted EPS surged 51% to $0.95, and the net interest margin expanded to 4.46%. Loan and deposit growth were robust, up 20% and 17% annualized, respectively. The efficiency ratio was an impressive 37.76%. Total assets increased to $571.8 million, with zero non-performing assets, and solid capital ratios exceeding regulatory requirements. Net income was $2,852,118, a significant rise compared to Q3 2024.

ChoiceOne Financial Services (COFS) reported its Q2 2025 financial results following its merger with Fentura Financial on March 1, 2025. The merger added approximately $1.8 billion in assets. Q2 net income was $13.53 million, up from $6.59 million year-over-year, while the six-month period resulted in a net loss largely due to merger-related expenses. GAAP net interest margin increased to 3.66%. Core loans grew organically by 10.0% over the past year. Assets reached $4.3 billion.