Loan Portfolio
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Bank Leumi Reports Strong Q3 2025: Net Income Up 18% to $817M, ROE at 16.3%, Announces $605M Dividend
Bank Leumi announced strong Q3 2025 financial results, driven by a best-in-class 27% efficiency ratio and 1.3% loan portfolio growth (8.8% YTD). Net income surged 18% to NIS 2.7 billion, with an ROE of 16.3%. The bank declared a NIS 2 billion dividend and maintains robust asset quality with a 0.41% NPL ratio. Capital and liquidity ratios remained solid, with CET1 at 12.33% and LCR at 128%. Leumi also implemented community support initiatives totaling NIS 172 million.
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Malaga Financial Corp. Reports First Nine Months 2025 Earnings
Malaga Financial Corporation (MLGF) reported a 5% YoY decrease in net income for the nine months ended September 30, 2025, to $16.431 million ($1.74/share). The decline is partly attributed to a one-time 2024 ERC credit. Total assets increased 2% to $1.428B, but the loan portfolio decreased 2% to $1.212B. Retail deposits decreased, while wholesale deposits increased 21%. The bank maintains strong capital ratios (16.47% core capital, 29.72% risk-based) and excellent asset quality. Annualized ROAE was 10.15%.
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Standard Premium Sees Record Earnings and Portfolio Growth in Fiscal Year 2025
Standard Premium Finance Holdings (SPFX) anticipates record financial results for fiscal year 2025. Net income is projected to increase 13% year-over-year, exceeding $1 million. The company expects return-on-equity above 15% and basic earnings per share of $0.34. SPFX’s loan portfolio is projected to grow to over $75 million, a 15% increase from 2024. They attribute success to strategic expansion, operational efficiencies, and disciplined expense management, maintaining a 7% preferred dividend rate.
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IBC Reports Strong Earnings for First Half of 2025
International Bancshares Corporation (IBOC) reported strong Q2 2025 results, with net income reaching $100.1 million ($1.61 diluted EPS), a 3.2% increase year-over-year. First-half net income rose to $197.0 million ($3.16 diluted EPS), up 1.4% from 2024. The growth was attributed to higher interest income from expanded investment and loan portfolios, driven by the elevated interest rate environment, and a decrease in the provision for credit loss expense. As of June 30, 2025, total assets were $16.5 billion and total net loans reached $9.0 billion.
