Core Insights - Hanover Bancorp, Inc. reported a net income of $33 thousand for Q4 2025, a significant decrease from $3.9 million in Q4 2024, primarily due to increased provisions for credit losses and decreased non-interest income [2][4][5] - The company declared a cash dividend of $0.10 per share, payable on February 26, 2026 [3] - The bank's net interest income for Q4 2025 was $15.8 million, up 14.64% from the same quarter in 2024, driven by an improved net interest margin of 2.84% [6][34] Financial Performance - Pre-provision net revenue for Q4 2025 was $6.2 million, the highest since Q4 2022, reflecting strong operational efficiency [2] - Total deposits increased by $53.6 million or 2.71% from the previous quarter and by $74.1 million or 3.79% year-over-year, with demand deposits rising significantly [2][13] - The company's operating efficiency ratio improved to 66.46%, the lowest since Q1 2024, indicating effective expense management [2] Asset Quality and Credit Losses - The bank initiated a strategic credit cleanup, resulting in the removal of $9.6 million in non-performing loans from the balance sheet [2][32] - The allowance for credit losses decreased to $18.7 million, representing 0.93% of total loans, down from 1.15% a year earlier [33][31] Loan Portfolio and Growth Strategy - The loan portfolio increased to $2.00 billion, with a focus on diversifying into multifamily and commercial real estate [16] - The company plans to expand its geographic footprint with a new branch in Riverhead, New York, enhancing its business development efforts [2] Shareholder Returns and Equity - The company repurchased 56,711 shares in Q4 2025, representing approximately 0.8% of shares outstanding at the beginning of the period [2][15] - Stockholders' equity increased to $200.3 million, with book value per share rising to $27.02 [15]

Core Viewpoint - The proposed sale of Stellar Bancorp, Inc. to Prosperity Bancshares, Inc. is under investigation to assess whether the transaction adequately values Stellar and the process leading to this valuation is appropriate [1]. Group 1: Transaction Details - Shareholders of Stellar Bancorp will receive 0.3803 shares of Prosperity common stock and $11.36 in cash for each share of Stellar they own as part of the proposed transaction [1]. Group 2: Legal Investigation - Kahn Swick & Foti, LLC is investigating the proposed sale to determine if the consideration offered undervalues Stellar Bancorp [1]. - The firm is inviting shareholders who believe the transaction undervalues the company to discuss their legal rights regarding the proposed sale [2].

Core Insights - U.S. Bancorp announced the retirement of Souheil Badran, the senior executive vice president and chief operations officer, scheduled for this spring [1] - Badran has significantly contributed to enhancing client experience and operational efficiency during his tenure, which began in late 2022 [2] - The company has a robust succession planning program to ensure a smooth leadership transition as Badran prepares to retire [3] Company Overview - U.S. Bancorp employs approximately 70,000 individuals and has assets totaling $692 billion as of December 31, 2025 [4] - The company operates a diversified mix of businesses, including consumer banking, business banking, commercial banking, institutional banking, payments, and wealth management [4] - U.S. Bancorp has received recognition for its digital innovation, community partnerships, and customer service, being named one of Fortune's most admired superregional banks [4]

Shares of Community Bancorp. (CMTV) have remained flat since reporting earnings for the fourth quarter of 2025. This compares to the S&P 500 index’s 0.3% return over the same time frame. Over the past month, the stock has risen 12.5% compared with the S&P 500’s 1.4% growth.Community Bancorp reported solid earnings growth for both the fourth quarter and the year ended Dec. 31, 2025. Fourth-quarter net income rose to $4.6 million, or 83 cents per share, from $4.1 million, or 73 cents per share, in the year-ag ...

Core Insights - The article discusses the Q4 earnings season for regional banks, focusing on First Financial Bancorp (FFBC) as a dividend growth name [2] - BAD BEAT Investing, led by Quad 7 Capital, has a team of 7 analysts with nearly 12 years of experience in identifying investment opportunities [2] - The group emphasizes teaching investors to become proficient traders while providing in-depth research and clear entry and exit targets [2] Group 1 - BAD BEAT Investing has been predominantly long (95%) since May 2020, with a notable call to sell everything and go short in February 2020 [2] - The organization focuses on short- and medium-term investments, income generation, special situations, and momentum trades [2] - Benefits of joining BAD BEAT Investing include access to multiple chat rooms, daily analyst summaries, and learning basic options trading [2] Group 2 - The analysts at BAD BEAT Investing have expertise in various fields including business, policy, economics, mathematics, game theory, and sciences [2] - The group aims to save time for investors by providing high-quality research and well-researched trade ideas each week [2] - The article highlights the importance of understanding market dynamics and executing well-researched trades [2]

Core Viewpoint - Oak Valley Bancorp reported a mixed performance for the fourth quarter of 2025, with a slight increase in net income year-over-year but a decline in full-year earnings compared to 2024, alongside improvements in net interest income and non-interest income [1][2][4]. Financial Performance - For Q4 2025, Oak Valley Bancorp's net income was $6.3 million, or 76 cents per share, up from $6 million, or 73 cents per share, in Q4 2024, reflecting a 4.1% year-over-year increase [1][2]. - Full-year 2025 net income totaled $23.9 million, or $2.88 per share, down from $25 million, or $3.02 per share, in 2024 [2]. - Total net interest income for Q4 reached $19.5 million, a 9% increase year-over-year, while annual net interest income rose 6.5% to $74.6 million [2]. Key Business Metrics - The net interest margin (NIM) for Q4 was 4.14%, up from 4.00% in the same quarter last year, attributed to higher loan yields and reduced funding costs [3]. - Non-interest income increased to $1.8 million in Q4, a 27.6% rise from $1.4 million a year earlier, driven by higher investment advisory fees and service charges [4]. Expense Management - Non-interest expenses grew 6.2% year-over-year to $12.3 million in Q4, with annual non-interest expenses climbing 9.3% to $50.3 million due to higher staffing costs and operational expenses [5]. Operational Efficiency - The efficiency ratio improved to 55.9% in Q4 from 58.1% a year ago, indicating better operational leverage, while the full-year efficiency ratio slightly increased to 59.7% from 58.2% [7]. - Return on average assets for Q4 was 1.3%, consistent with the previous year, while full-year return on assets decreased to 1.2% from 1.4% [7]. Credit Quality - A provision for credit losses of $0.9 million in Q4 was linked to a commercial real estate loan placed on non-accrual status, resulting in non-performing assets rising to $4.6 million, or 0.2% of total assets [8]. - The allowance for credit losses as a percentage of gross loans increased to 1.1% from 1% in Q4 2024, indicating stable overall credit quality [9]. Shareholder Returns - The board declared a cash dividend of 37.5 cents per share, payable on February 13, 2026, marking the first dividend payment of 2026, with an annual dividend for 2025 of 60 cents per share, up from 45 cents in 2024 [10]. Company Growth - Oak Valley Bancorp surpassed $2 billion in total assets, attributed to consistent growth and strong client relationships, while maintaining 19 banking offices across Central California and the Eastern Sierra region [6][11].

Core Insights - CW Bancorp reported a consolidated net income of $3,450,000 for Q4 2025, a decrease of 12% compared to $3,940,000 in Q4 2024, resulting in an EPS of $1.17, down from $1.30 [1][19] - For the full year 2025, consolidated net income was $12,246,000, a decrease of 7% from $13,148,000 in 2024, with an EPS of $4.09 compared to $4.30 [1][19] Financial Performance - Q4 2025 interest income was $13,879,000, down 6% from $14,750,000 in Q4 2024, while interest expense decreased by 17% to $3,080,000 [6][19] - For the full year 2025, interest income increased by 2% to $55,274,000, while interest expense decreased by 5% to $13,512,000 [7][19] - Net interest income for Q4 2025 was $10,799,000, a decrease of 2% from $11,036,000 in Q4 2024, with a net interest margin of 3.85%, slightly down from 3.86% [8][19] Asset and Liability Management - Total assets decreased by 1% to $1,481,434,000 as of December 31, 2025, with total loans increasing by less than 1% to $795,550,000 [4][18] - Total deposits decreased by 1% to $1,324,020,000, with non-interest-bearing deposits down 3% and interest-bearing deposits up slightly [5][18] - The allowance for credit losses (ACL) to total loans ratio was 1.32%, down from 1.45% the previous year [18] Capital and Efficiency Ratios - The company maintained strong capital ratios, with a tier 1 leverage ratio of 12.50% and a total risk-based capital ratio of 18.86% as of December 31, 2025 [14][18] - The efficiency ratio for Q4 2025 was 59.27%, an increase from 58.12% in Q4 2024, indicating higher costs relative to income [13][19] Non-Interest Income and Expenses - Non-interest income for Q4 2025 was $1,198,000, a significant decrease of 40% from $2,011,000 in Q4 2024 [11][19] - Non-interest expense for Q4 2025 was $7,145,000, down 6% from $7,617,000 in Q4 2024, while total non-interest expense for the year increased by 6% to $29,441,000 [12][19]

Core Insights - ConnectOne Bancorp reported a net income of $38.0 million for Q4 2025, a decrease from $39.5 million in Q3 2025 but an increase from $18.9 million in Q4 2024. Diluted earnings per share were $0.75 for Q4 2025, down from $0.78 in Q3 2025 but up from $0.49 in Q4 2024 [2][4]. Financial Performance - The company's operating net income for Q4 2025 was $42.0 million, compared to $35.5 million in Q3 2025 and $20.2 million in Q4 2024. Operating diluted earnings per share were $0.83 for Q4 2025, up from $0.70 in Q3 2025 and $0.52 in Q4 2024 [3]. - The net interest margin widened by 16 basis points to 3.27% in Q4 2025, benefiting from a decrease in the cost of interest-bearing deposits and stable loan portfolio yields [5][7]. - Total assets increased to $14.0 billion as of December 31, 2025, from $9.9 billion a year earlier, primarily due to the merger with First of Long Island Corporation [16][17]. Income and Expenses - Noninterest income for Q4 2025 was $6.0 million, down from $19.4 million in Q3 2025, largely due to nonrecurring benefits from the employee retention tax credit and pension plan curtailment gains recognized in the previous quarter [10]. - Noninterest expenses decreased to $56.9 million in Q4 2025 from $58.7 million in Q3 2025, attributed to lower merger expenses and employee benefits [11]. Asset Quality - The provision for credit losses was $2.3 million in Q4 2025, down from $5.5 million in Q3 2025, reflecting improved asset quality and lower loss drivers [13]. - Nonperforming assets as a percentage of total assets were 0.33% as of December 31, 2025, compared to 0.58% a year earlier, indicating improved asset quality [14]. Dividends - The Board of Directors declared a cash dividend of $0.18 per share on common stock, payable on March 2, 2026, to shareholders of record on February 13, 2026 [6].

Core Viewpoint - Catalyst Bancorp, Inc. reported a net income of $456,000 for Q4 2025, a slight decrease from $489,000 in Q3 2025, but a significant recovery from a net loss of $3.1 million in 2024, indicating a positive trend in financial performance [1][35]. Financial Performance - The company achieved a net income of $2.1 million for the year ended December 31, 2025, compared to a net loss of $3.1 million for the previous year [1]. - The diluted earnings per share (EPS) for Q4 2025 remained stable at $0.13, while the annual diluted EPS for 2025 was $0.56 [1][35]. Loan Growth - Total loans increased to $170.2 million as of December 31, 2025, reflecting a growth of $5.4 million, or 3%, from the previous quarter [2][3]. - The composition of the loan portfolio showed a rise in one- to four-family residential loans by $1.75 million, while commercial real estate loans decreased by $807,000 [3][5]. Credit Quality - Non-performing assets (NPAs) rose to $2.7 million at the end of Q4 2025, up from $1.9 million in Q3 2025, primarily due to an increase in non-accruing residential mortgage loans [7]. - The allowance for credit losses on loans was $2.4 million, representing 1.39% of total loans, slightly down from 1.45% in the previous quarter [8]. Investment Securities - Total investment securities amounted to $65.4 million, accounting for 23% of total assets, which is an increase of $5.6 million, or 9%, from the previous quarter [9]. Deposits - Total deposits decreased by $1.1 million, or 1%, to $185.3 million as of December 31, 2025, although the average deposits for Q4 2025 increased to $181.5 million [10][12]. - Non-interest-bearing demand deposits rose by $2.4 million, or 9%, primarily due to an increase in commercial deposits [11]. Capital Management - The company repurchased 54,693 shares of common stock at an average cost of $14.76 during Q4 2025, compared to 13,212 shares at $12.93 in Q3 2025 [15]. - As of December 31, 2025, consolidated shareholders' equity was $81.7 million, representing 28.9% of total assets [14]. Net Interest Income - The net interest margin for Q4 2025 was 3.91%, a slight increase from the previous quarter [17]. - Net interest income for Q4 2025 was $2.5 million, up $57,000, or 2%, compared to Q3 2025 [18]. Non-Interest Income and Expenses - Non-interest income for Q4 2025 totaled $362,000, an increase of $47,000, or 15%, from the previous quarter [23]. - Non-interest expenses rose to $2.2 million, up $20,000, or 1%, compared to Q3 2025, with salaries and employee benefits being the primary contributor to the increase [25][26].

Core Viewpoint - American Riviera Bancorp reported significant growth in net income for the year ended December 31, 2025, indicating strong financial performance compared to the previous year [1] Financial Performance - The company achieved unaudited net income of $12.4 million, or $2.18 per share, for the year ended December 31, 2025, up from $8.7 million, or $1.50 per share, in the previous year [1] - For the three months ended December 31, 2025, the unaudited net income was $4.5 million, or $0.80 per share, compared to $2.9 million, or $0.51 per share, in the previous quarter [1] - The net income for the same quarter in the previous year was $2.0 million, or $0.35 per share, showing a year-over-year increase [1]