Core Viewpoint - IF Bancorp, Inc. has received shareholder approval for its merger with ServBanc Holdco, Inc., with the expected closing date set for March 12, 2026, pending customary closing conditions [1] Company Summary - IF Bancorp, Inc. is the holding company for Iroquois Federal Savings and Loan Association [1] - The merger with ServBanc Holdco, Inc. is a significant strategic move for IF Bancorp, aimed at enhancing its market position [1] Industry Summary - The merger reflects ongoing consolidation trends within the banking and financial services industry, as companies seek to achieve greater efficiencies and competitive advantages [1]

Core Viewpoint - Landmark Bancorp, Inc. demonstrated solid profitability growth in Q4 2025, with net earnings increasing to $4.7 million from $3.3 million year-over-year, outperforming the S&P 500 index during the same period [2][3]. Financial Performance - Net interest income rose 19.3% year-over-year to $14.8 million, driven by higher loan yields and lower funding costs [3]. - Diluted earnings per share (EPS) increased to 77 cents in Q4 2025 from 54 cents in Q4 2024, although it was slightly below the 81 cents reported in the previous quarter [2]. - For the full year 2025, net earnings totaled $18.8 million, a 44.4% increase from $13 million in 2024, with diluted EPS rising to $3.07 from $2.15 [3]. Profitability Metrics - Return on average assets improved to 1.17% for both Q4 and 2025, compared to 0.83% in the corresponding periods of 2024 [4]. - Return on average equity increased to 11.88% for Q4 and 12.68% for 2025, up from 9.54% and 10.01% respectively a year earlier [4]. - The net interest margin expanded to 4.03% in Q4 from 3.51% in the year-ago quarter, reflecting higher earning asset yields and lower deposit costs [4]. Balance Sheet Overview - Period-end loans totaled $1.1 billion as of December 31, 2025, slightly lower than the prior quarter but up from $1.05 billion at the end of 2024 [5]. - Total deposits increased by 4.5% year-over-year to $1.4 billion, with growth concentrated in money market and checking accounts [5]. - Non-performing loans decreased to $10 million, or 0.90% of gross loans, down from $13.1 million, or 1.25%, at the end of 2024 [5]. Management Insights - Management characterized the quarter as a strong close to a year of sustained revenue growth and profitability gains, emphasizing pricing discipline on deposits as a key contributor to margin improvement [6]. - The company plans to continue investing in personnel and operational capabilities while maintaining expense control [11]. - Capital levels remain well above regulatory thresholds, with tangible common equity to assets exceeding 8% by the end of 2025 [6]. Earnings Drivers - The primary driver of earnings growth was higher net interest income, supported by rising loan yields and declining funding costs [7]. - Non-interest income declined sequentially due to a loss on the sale of lower-yielding investment securities, part of a strategy to reposition the securities portfolio for improved future returns [7]. Expense Management - Non-interest expenses increased year-over-year due to higher compensation, professional fees, and a valuation allowance on repossessed assets [8]. - Provision for credit losses was $500,000, down from $1.5 million in the year-ago quarter, indicating moderated credit costs [8]. Dividend Declaration - The board declared a quarterly cash dividend of 21 cents per share, payable in February 2026, continuing the company's long-standing record of regular dividend payments [10].

Core Viewpoint - United Bancorp, Inc. reported its financial results for the fourth quarter and the full year of 2025, showing a stable performance in earnings and net income [1] Financial Performance - For the three months ended December 31, 2025, the company reported diluted earnings per share of $0.35 and net income of $2,035,000 [1] - For the year ended December 31, 2025, diluted earnings per share were $1.34, with a total net income of $7,753,000 [1]

Core Insights - Mission Valley Bancorp reported a net income of $3.1 million, or $0.93 per diluted share, for Q4 2025, a significant increase from $1.1 million, or $0.34 per diluted share, in Q4 2024 [1][2] - For the full year 2025, net income reached $8.0 million, or $2.39 per diluted share, compared to $6.2 million, or $1.87 per diluted share, in 2024 [1][2] Fourth Quarter 2025 Highlights - Net Interest Income for Q4 2025 was $7.6 million, up by $0.4 million, or 5.50%, from Q4 2024 [7] - Non-Interest Income surged to $4.3 million, an increase of $1.9 million, or 81.29%, compared to Q4 2024 [7] - Gross Loans increased by $31.8 million, or 5.50%, compared to September 30, 2025 [7] Full Year 2025 Highlights - Net Interest Income for 2025 was $30.6 million, an increase of $3.2 million, or 11.46%, from 2024 [7] - Non-Interest Income rose to $11.5 million, up by $1.8 million, or 19.08%, compared to 2024 [7] - Total Assets reached $760.4 million, an increase of $83.1 million, or 12.28%, from December 31, 2024 [7] Balance Sheet Highlights - Total Deposits were $635.5 million as of December 31, 2025, an increase of $84.1 million, or 15.26%, from December 31, 2024 [7] - Gross Loans amounted to $609.6 million as of December 31, 2025, an increase of $62.6 million, or 11.44%, from December 31, 2024 [7] Asset Quality - Classified Loans decreased to $16.7 million as of December 31, 2025, down from $26.4 million in 2024 [10] - Past Due Loans increased to $15.6 million as of December 31, 2025, compared to $5.3 million in 2024 [10] - The Allowance for Credit Losses was $8.1 million, or 1.33% of Gross Loans, unchanged from 2024 [10] Capital and Liquidity - The Common Equity Tier 1 Capital Ratio was 10.24%, and the Total Risk Based Capital Ratio was 12.32% as of December 31, 2025 [10] - Available borrowing capacity increased to $223.3 million, up by $14.7 million, or 7.02%, from December 31, 2024 [10]

Core Viewpoint - CNB Community Bancorp, Inc. has announced a new share repurchase program, authorizing the repurchase of up to $2.5 million of common stock, reflecting confidence in the company's balance sheet and long-term value [1][3]. Group 1: Share Repurchase Program Details - The share repurchase program allows the company to buy back shares in the open market or through private transactions, subject to market conditions and regulatory requirements [1][2]. - The program is set to expire on December 31, 2026, and the timing and number of shares repurchased will depend on various factors including market conditions and corporate liquidity [2]. - The company plans to fund the repurchases from existing funding sources, potentially supplemented by dividends from County National Bank [3]. Group 2: Company Background - CNB Community Bancorp, Inc. is a one-bank holding company established in 2005, with its subsidiary, County National Bank, providing full-service banking since 1934 [4]. - The company is headquartered in Hillsdale, Michigan, and offers banking products along with investment management and trust services to communities in southern Michigan [4].

Core Viewpoint - River Valley Community Bancorp has announced an increase in its stock repurchase plan, raising the total authorized amount to $3,000,000, which aims to enhance capital management and return on equity for shareholders [1][2][4]. Group 1: Stock Repurchase Plan - The initial stock repurchase plan authorized by the Board of Directors on October 15, 2024, was for up to $1,000,000 of the Company's outstanding common stock [2]. - On January 30, 2026, the Board approved an additional $2,000,000 for the repurchase plan, bringing the total to $3,000,000 [2]. - The repurchase program is set to remain in effect until December 31, 2026 [2]. Group 2: Conditions and Management - The timing, price, and size of stock purchases will depend on market conditions and other factors [3]. - The Board has ensured that the maximum aggregate repurchases will not impair the capital of the Company or its subsidiary, River Valley Community Bank [3]. - The program is designed to provide an effective mechanism for capital management, increase return on equity for existing shareholders, and enhance market liquidity for the common shares [4]. Group 3: Company Ratings and Services - River Valley Community Bank maintains high ratings from BauerFinancial and Depositaccounts.com [5]. - The Bank offers a comprehensive range of competitive products, services, and banking technology to its customer base [5].

Core Viewpoint - Elmer Bancorp, Inc. has declared a special cash dividend of $0.20 per common share, reflecting the company's strong performance in 2025 and aiming to reward shareholders [1][2] Company Overview - Elmer Bancorp is the parent company of The First National Bank of Elmer, a community bank established in 1903, serving retail customers and small to mid-sized businesses in New Jersey [2] - The bank operates six full-service branch offices in Cumberland, Gloucester, and Salem Counties, New Jersey, along with a loan production office in Marlton, NJ [2] - Deposits at The First National Bank of Elmer are insured by the Federal Deposit Insurance Corporation (FDIC) up to the legal maximum [2]

SANTA BARBARA, CA / ACCESS Newswire / February 2, 2026 / American Riviera Bancorp ("Company") (OTCQX:ARBV), holding company of American Riviera Bank ("Bank"), announced today the appointment of two new directors effective February 19, 2026. Jeff Deuel and Martin Alwin have extensive relevant experience and will serve on the boards of both the Company and the Bank. ...

Core Viewpoint - Ademi LLP is investigating Northfield for potential breaches of fiduciary duty and other legal violations related to its transaction with Columbia Financial [1]. Group 1: Transaction Details - Northfield stockholders will receive either shares of the new holding company or cash based on an independent valuation, with specific terms depending on the valuation range [2]. - If the valuation is less than $2.3 billion, shareholders will receive either 1.425 shares or $14.25 in cash; for valuations between $2.3 billion and $2.6 billion, the consideration increases to 1.450 shares or $14.50 in cash; and for valuations of $2.6 billion or higher, shareholders will receive 1.465 shares or $14.65 in cash [2]. - A maximum of 30% of outstanding Northfield shares may be converted to cash, and insiders will receive substantial benefits as part of change of control arrangements [2]. Group 2: Investigation Focus - The transaction agreement imposes significant penalties on Northfield for accepting competing bids, which raises concerns about the board of directors' fulfillment of their fiduciary duties to all shareholders [3].

Sierra Bancorp Reports Record Quarterly Earnings and 2025 ResultsFeb 2, 2026 8:01 AM Eastern Standard Time# Sierra Bancorp Reports Record Quarterly Earnings and 2025 ResultsShare---PORTERVILLE, Calif.--([BUSINESS WIRE])--Sierra Bancorp (Nasdaq: BSRR), parent of Bank of the Sierra, today announced unaudited financial results for the three-and twelve-month periods ended December 31, 2025. Sierra Bancorp reported consolidated net income in the fourth quarter of 2025 of $12.9 million, or $0.97 per diluted share ...