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]

Core Insights - Chain Bridge Bancorp, Inc. (CBNA) reported a revenue of $14.7 million for the quarter ended December 2025, reflecting a year-over-year increase of 16.8% and a surprise of +5.72% over the Zacks Consensus Estimate of $13.9 million [1] - The earnings per share (EPS) for the quarter was $0.81, compared to $0.59 in the same quarter last year, resulting in an EPS surprise of +3.19% against the consensus estimate of $0.79 [1] Financial Performance Metrics - Total interest-earning assets averaged $1.65 billion, exceeding the average estimate of $1.55 billion from two analysts [4] - The net interest margin was reported at 3.3%, slightly below the average estimate of 3.4% from two analysts [4] - Net interest income reached $13.59 million, surpassing the estimated $13.03 million by two analysts [4] - Other income was reported at $0.04 million, exceeding the average estimate of $0.03 million from two analysts [4] - Deposit placement services generated $0.37 million, significantly higher than the average estimate of $0.22 million from two analysts [4] - Total noninterest income was $1.11 million, above the average estimate of $0.87 million from two analysts [4] Stock Performance - Shares of Chain Bridge Bancorp, Inc. have returned -1.5% over the past month, while the Zacks S&P 500 composite has increased by +0.8% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Chain Bridge Bancorp, Inc. (CBNA) came out with quarterly earnings of $0.81 per share, beating the Zacks Consensus Estimate of $0.79 per share. This compares to earnings of $0.59 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +3.19%. A quarter ago, it was expected that this company would post earnings of $0.7 per share when it actually produced earnings of $0.72, delivering a surprise of +2.86%.Over the last four quarters, th ...

WASHINGTON, DC / ACCESS Newswire / January 28, 2026 / National Capital Bancorp, Inc. (the "Company") (OTC Pink:NACB), the holding company for The National Capital Bank of Washington ("NCB" or the "Bank") announced the retirement of longserving Director Kathryn H. Didden. Kathryn H. ...

WASHINGTON, D.C. / ACCESS Newswire / January 28, 2026 / Washington, DC, National Capital Bancorp, Inc. (the "Company") (OTCID:NACB), the holding company for The National Capital Bank of Washington ("NCB" or the "Bank") reported net income of $1,659,000, or $1.44 per common share, for the three months ended December 31, 2025, compared to net income of $1,965,000 or $1.71 per common share, for the quarter ended December 31, 2024. ...

(1)Earnings per diluted share of $0.64; $0.80 on an adjusted basis is a Company record (1)Return on average assets of 1.22%; 1.52% on an adjusted basis (1)Net interest margin on FTE basis of 3.98% (1)Record revenue of $251.3 million on an adjusted basis (1)Record noninterest income of $77.3 million on an adjusted basis (1)ROTCE of 16.3%; 20.3% on adjusted basis Westfield acquisition closed November 1, 2025 Obtained regulatory approval for BankFinancial acquisition; closed January 1, 2026 $300 million of ...

Core Viewpoint - Merchants Bancorp has announced a stock repurchase program of up to $100 million, set to expire on December 31, 2027, aimed at enhancing shareholder value [1]. Group 1: Stock Repurchase Program - The stock repurchase program allows Merchants to buy back shares in the open market or through other means, with management determining the appropriate prices, quantities, and terms [2]. - The program is not mandatory and can be modified, suspended, or discontinued at the discretion of the Board of Directors [2]. - Repurchases will be influenced by various factors, including market conditions and the financial and regulatory status of Merchants [3]. Group 2: Company Overview - Merchants Bancorp is a diversified bank holding company based in Carmel, Indiana, recognized as a top-performing U.S. public bank by S&P Global Market Intelligence [4]. - The company operates multiple segments, including Multi-family Mortgage Banking, Mortgage Warehousing, and traditional community banking, with total assets of $19.4 billion and deposits of $13.0 billion as of December 31, 2025 [4].

Core Insights - Merchants Bancorp reported a fourth quarter 2025 net income of $67.8 million, a decrease of 29% compared to the same quarter in 2024, but an increase of 24% from the third quarter of 2025 [1][5]. Financial Performance - The company achieved a record tangible book value of $37.51 per share, up 10% from $34.15 in Q4 2024 and 3% from $36.31 in Q3 2025 [4]. - Total assets reached $19.4 billion, marking a 3% increase from $18.8 billion at the end of 2024 [4][6]. - Net interest income for Q4 2025 was $138.1 million, a 3% increase from Q4 2024, driven by lower interest expenses [22][28]. - Noninterest income decreased by 20% to $47.2 million, primarily due to a significant drop in loan servicing fees [26][33]. Asset Quality - Criticized loans decreased by 13% to $508.2 million compared to Q3 2025 and by 27% compared to Q4 2024 [10][12]. - Non-performing loans fell by 34% during the quarter, totaling $197.8 million, or 1.79% of loans receivable [12][13]. - Total delinquent loans decreased by 38% to $206.8 million compared to Q3 2025 [13]. Deposits and Liquidity - Total deposits were $13.0 billion, a 9% increase from the previous year but a 6% decrease from Q3 2025 [15][16]. - Core deposits represented 87% of total deposits, with a 20% increase year-over-year [16]. - The company maintained strong liquidity with $5.3 billion in unused borrowing capacity, representing 27% of total assets [19][20]. Operational Efficiency - Noninterest expenses increased by 32% to $83.6 million, largely due to higher credit risk transfer premiums and employee benefits [27][34]. - The company recorded a significant decrease in provision for credit losses, reflecting improved asset quality [5][31]. Strategic Outlook - The management expressed confidence in the company's growth trajectory for 2026, emphasizing the importance of credit quality improvements and operational performance [2][3].

Financial Performance - The company reported a net income of $10.8 million for Q4 2025, an increase from $10.2 million in Q4 2024, translating to $0.81 per basic share compared to $0.78 per basic share in the previous year [1] - For the year ended December 31, 2025, net income was $44.4 million, down from $47.1 million in 2024, with earnings per share of $3.35 compared to $3.58 [1] Loan Portfolio and Demand - The company experienced strong performance in its loan portfolio, with outstanding unfunded commitments exceeding $680 million as of December 31, 2025 [2] - Loans, net of the allowance for credit losses, increased by $47.8 million, or 2.6%, to $1.9 billion, driven by a $99.9 million increase in multi-family loans [8] - The company originated loans totaling $860.7 million in 2025, primarily in construction and multi-family loans [9] Balance Sheet Highlights - Total assets increased by $53.9 million, or 2.7%, to $2.1 billion as of December 31, 2025, primarily due to increases in net loans and equity securities [3] - Total stockholders' equity rose by $33.4 million, or 10.5%, to $351.7 million, representing 17.04% of total assets [6][23] Interest Income and Expense - Net interest income for Q4 2025 was $25.5 million, a slight increase from $25.3 million in Q4 2024, attributed to a decrease in interest expense [24] - Total interest and dividend income decreased by $1.9 million, or 4.6%, to $38.6 million for Q4 2025, primarily due to a decrease in yield on interest-earning assets [25] Asset Quality - The company maintained strong asset quality with no non-performing loans as of December 31, 2025, compared to $5.1 million in non-performing assets in 2024 [6][53] - The allowance for credit losses related to loans decreased to $4.7 million, or 0.25% of total loans, from $4.8 million, or 0.27% of total loans, in the previous year [10][55] Non-Interest Income and Expenses - Non-interest income for Q4 2025 was $987,000, a significant increase from $149,000 in Q4 2024, driven by unrealized gains on equity securities [33] - Non-interest expenses increased by $1.3 million, or 12.8%, to $11.2 million for Q4 2025, primarily due to higher salaries and employee benefits [36] Capital and Regulatory Compliance - The company's capital position remains strong, with a tier 1 leverage capital ratio of 16.39% and a total risk-based capital ratio of 15.62% as of December 31, 2025 [58] - The company has the ability to borrow $768.8 million from the Federal Reserve Bank of New York, indicating a robust liquidity position [57]

Core Viewpoint - Ademi LLP is investigating Stellar for potential breaches of fiduciary duty and other legal violations related to its transaction with Prosperity Bancshares, Inc. [1] Group 1: Transaction Details - Stellar stockholders will receive 0.3803 shares of common stock and $11.36 in cash for each outstanding share, valuing the transaction at approximately $2.002 billion based on Prosperity's closing price of $72.90 on January 27, 2026 [2] - Stellar insiders are set to receive substantial benefits as part of the change of control arrangements [2] Group 2: Board Conduct and Limitations - The transaction agreement imposes significant penalties on Stellar for accepting competing bids, which may limit competing transactions unreasonably [3] - The investigation focuses on whether the Stellar board of directors is fulfilling their fiduciary duties to all shareholders [3]