Net Interest Margin

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.