Financial Performance - Trustmark Corporation reported net income of $57.9 million for Q4 2025, with diluted earnings per share of $0.97, and total net income for the year at $224.1 million, or $3.70 per share [2]. - Total revenue reached a record $799.8 million in 2025, an increase of $238.8 million, or 42.6%, compared to the previous year [16]. - Net income for Q4 2025 was $57,874,000, reflecting a 1.9% increase from Q3 2025 and a 2.8% increase year-over-year [36]. - Income from continuing operations before income taxes was $70,734,000, a 1.4% increase from Q3 2025 and a 9.0% increase year-over-year [36]. - Net income from continuing operations for the quarter ended December 31, 2025, was $57,874 thousand, an increase from $56,312 thousand in Q4 2024, reflecting a growth of 2.8% [71]. Revenue and Income Sources - Wealth management revenue reached $40.1 million in 2025, up 7.7% from the previous year, while mortgage banking revenue totaled $33.1 million, an increase of 24.2% [8]. - Total noninterest income rose to $41,235,000, up 3.3% from Q3 2025 and 0.7% year-over-year [36]. - Total noninterest income for the year ended December 31, 2025, was $163,640, a significant recovery from a loss of $23,419 in the previous year [44]. Assets and Liabilities - Total assets increased to $18,925,211 thousand, a 0.7% increase from the previous quarter and a 4.3% increase year-over-year [34]. - Total liabilities increased to $16,803,534 thousand, a 0.7% increase from the previous quarter and a 3.8% increase year-over-year [34]. - Total deposits reached $15,499,780,000, a slight decrease from $15,630,970,000 in the prior quarter, indicating a reduction of approximately 0.84% [42]. Loans and Credit Quality - Loans held for investment (HFI) totaled $13.7 billion at year-end 2025, reflecting a year-over-year increase of $584.3 million, or 4.5% [7]. - Nonaccrual loans totaled $84.4 million at December 31, 2025, representing 0.65% of loans HFI [13]. - The allowance for credit losses (ACL) on loans held for investment improved by 4.9% quarter-over-quarter to $(157,071) thousand [34]. - The company reported net charge-offs of $7,621,000, a significant increase of 73.8% from the previous quarter [38]. Shareholder Equity and Capital Ratios - The capital position remained strong with a CET1 ratio of 11.72% and a total risk-based capital ratio of 14.41% at year-end 2025 [9]. - Shareholders' equity reached $2,121,677 thousand, a 0.4% increase from the previous quarter and an 8.1% increase year-over-year [34]. - Tangible common equity as of December 31, 2025, was $1,787,072 thousand, compared to $1,627,596 thousand at the end of 2024, indicating a growth of 9.8% [71]. Stock and Dividends - Trustmark repurchased approximately 2.2 million shares of common stock, or 3.5% of shares outstanding, during the year [9]. - Dividends per share remained stable at $0.24, with a 0.0% change from Q3 2025 and a 4.3% increase year-over-year [36]. Efficiency and Ratios - Trustmark's efficiency ratio improved to 62.69% in Q4 2025, compared to 63.26% in Q4 2024 [49]. - The return on average equity from continuing operations for the quarter ended December 31, 2025, was 10.80%, slightly up from 10.86% in 2024 [75]. - The efficiency ratio (Non-GAAP) for the quarter ended December 31, 2025, was 62.69%, compared to 63.26% for the year ended December 31, 2024 [76]. Investment Strategy - Trustmark's investment strategy focuses on asset quality, with 100% of the securities portfolio invested in U.S. Treasury securities and government agency obligations, ensuring no exposure to sub-prime collateral [58]. - The total securities held to maturity decreased to $1,207,454,000 as of December 31, 2025, down from $1,268,459,000 at the end of September 2025, representing a decline of 4.8% [57].

Financial Performance - Net income for Q4 2025 was $78.9 million, an increase from $44.7 million in Q4 2024, with diluted EPS at $0.83 compared to $0.70 in the previous year[3] - Net income for the three months ended December 31, 2025, was $78,948,000, compared to $59,788,000 for the previous quarter, representing a 32.5% increase[31] - Adjusted net income for the twelve months ending December 31, 2025, was $267,816,000, compared to $165,066,000 for the previous year, showing a 62.2% year-over-year growth[31] - The company recorded adjusted diluted EPS (non-GAAP) of $0.91 for Q4 2025, compared to $0.73 in Q4 2024[4] - Return on average assets increased to 1.17% for the three months ended December 31, 2025, compared to 0.90% in the previous quarter[10] - Adjusted return on average assets (non-GAAP) improved to 1.29 from 1.09, indicating a growth of 18.4%[32] Income and Revenue - Net interest income for Q4 2025 was $232.4 million, up $4.2 million from the previous quarter, with a net interest margin of 3.89%, an increase of 4 basis points[8] - Noninterest income for the three months ended December 31, 2025, was $51.125 million, up from $46.026 million in the previous quarter, representing an increase of 2.4%[12] - Total adjusted noninterest income (non-GAAP) rose to $51,125 million compared to $46,867 million, marking an increase of 9.1% year-over-year[33] - Net interest income for the twelve months ending December 31, 2025, was $820.64 million, with a net interest margin of 3.79%, compared to $522.53 million and 3.34% in the previous year[16] Loans and Assets - Loans increased by $21.5 million linked quarter, representing 0.4% annualized net loan growth, while the company sold approximately $117.3 million of non-core loans acquired from the merger[8] - Total loans reached $19.05 billion as of December 31, 2025, an increase from $12.89 billion a year prior, reflecting a growth of 47.5%[17] - Loans held for investment increased to $19,047,039 as of December 31, 2025, compared to $12,885,020 a year earlier, reflecting a growth of approximately 47%[14] - Total assets as of December 31, 2025, reached $26,751,426, an increase from $18,034,868 in December 2024[14] Expenses and Efficiency - Total noninterest expense for the twelve months ending December 31, 2025, was $651.660 million, significantly higher than $461.618 million for the previous year, reflecting a year-over-year increase of 41.2%[12] - The efficiency ratio improved to 60.23% for the three months ended December 31, 2025, down from 67.05% in the previous quarter[10] - Noninterest expense (GAAP) decreased to $170,750 million from $183,830 million, a reduction of 7.3% year-over-year[33] Capital and Equity - Shareholders' equity increased to $3,884,905 as of December 31, 2025, compared to $2,678,318 a year earlier, representing a growth of approximately 45%[14] - The tangible common equity ratio was not specified but is a critical measure for assessing capital adequacy[29] - Shareholders' equity (GAAP) increased to $3,884,905 from $3,825,778, reflecting a growth of 1.9% year-over-year[32] - The total risk-based capital ratio was 14.78% as of December 31, 2025, down from 14.88% in the previous quarter[11] Credit Quality - The provision for credit losses on loans was $5.5 million for Q4 2025, with net loan charge-offs of $9.1 million[8] - Nonperforming loans as a percentage of total loans stood at 0.92% as of December 31, 2025, compared to 0.88% a year earlier[18] - The allowance for credit losses on loans was $293.96 million, representing 1.54% of total loans as of December 31, 2025[18] Strategic Initiatives - The company plans to expand its operations and integrate acquisitions, including its merger with The First, to enhance earnings and achieve cost savings[24] - Renasant Corporation operates 283 banking and financial service offices across the Southeast, with a focus on growth in new markets[22]

Financial Performance - Net sales for the three months ended December 31, 2025, reached $1,163,023, an increase from $1,073,001 in the same period of 2024, representing an 8.4% growth[11] - Gross profit for the six months ended December 31, 2025, was $714,763, compared to $653,132 for the same period in 2024, reflecting a 9.4% increase[11] - Net income for the three months ended December 31, 2025, was $95,349, up from $93,290 in 2024, indicating a 2.2% increase[11] - The company reported a diluted net income per share of $2.51 for the three months ended December 31, 2025, compared to $2.39 in 2024, marking a 5.0% increase[11] - For the six months ended December 31, 2025, total net sales were $2,362,546, an increase from $2,171,945 in 2024, representing a growth of 8.8%[39] - Net income for the six months ended December 31, 2025, was $196,156, compared to $185,353 for the same period in 2024, representing a growth of 5.0%[11] Assets and Liabilities - Total assets as of December 31, 2025, were $3,159,322, a slight decrease from $3,175,544 as of June 30, 2025[16] - The total current liabilities decreased to $475,482 as of December 31, 2025, from $526,151 as of June 30, 2025, indicating a reduction of 9.6%[16] - The company has a total debt of $572,300 as of December 31, 2025, which includes a revolving credit facility of $384,000 and a trade receivable securitization facility of $188,300[62] - Total shareholders' equity increased to $1,874,408,000 as of December 31, 2025, up from $1,883,755,000 at the end of the previous quarter[22] Cash Flow and Dividends - Cash and cash equivalents increased to $405,986 as of December 31, 2025, from $388,417 at the end of June 2025, showing a growth of 4.1%[16] - The company paid dividends totaling $34,723 during the six months ended December 31, 2025, compared to $28,469 in the same period of 2024, representing a 22.0% increase[19] - Net cash provided by operating activities for the six months ended December 31, 2025, was $218,976, slightly down from $222,884 in 2024[19] Segment Performance - The Service Center segment focuses on maintenance and repair products, while the Engineered Solutions segment specializes in hydraulic and pneumatic technologies[31] - The Service Center segment generated net sales of $1,529.8 million for the six months ended December 31, 2025, compared to $1,473.6 million in the prior year, an increase of 3.8%[85] - The Engineered Solutions segment reported net sales of $832.7 million for the six months ended December 31, 2025, up from $698.4 million in the prior year, representing a 19.2% increase[85] Acquisitions - The company acquired Thompson Industrial Supply for $9.0 million on January 17, 2026, enhancing its Service Center segment[45] - Hydradyne, acquired on December 31, 2024, for $282,136, is now part of the Engineered Solutions segment, expanding the company's fluid power offerings[46] - The acquisition of Hydradyne on December 31, 2024, resulted in net sales of $63,128 thousand and net income of $3,581 thousand for the three months ended December 31, 2025[49] Accounting and Compliance - The company is currently evaluating the impact of new accounting standards issued by the FASB on its financial statements[32][34] - The company performed an annual goodwill impairment assessment on January 1, 2025, concluding that the fair value of all reporting units exceeded their carrying amounts, indicating no impairment[57] Operational Metrics - The number of employees was 6,794 at December 31, 2025, down from 6,916 at December 31, 2024[94] - The Manufacturing Capacity Utilization (MCU) index was 75.6 in December 2025, slightly down from 75.9 in September 2025, indicating a slight decline in industrial activity[94] Market and Revenue Insights - The United States contributed $1,024,050 to total net sales for the three months ended December 31, 2025, up from $929,549 in 2024, reflecting a growth of 10.2%[39] - Revenue from the United States for the six months ended December 31, 2025, was $2,080.5 million, up from $1,886.8 million in 2024, representing a growth of 10.3%[39] Financial Ratios and Expenses - Gross profit margin was 30.4% for the quarter, slightly down from 30.6% in the prior year, impacted by a $6.3 million increase in LIFO expense[103] - Selling, distribution, and administrative (SD&A) expenses rose by $22.9 million or 11.1%, accounting for 19.8% of sales compared to 19.3% in the prior year[104] - The effective income tax rate decreased to 22.3% from 23.9% due to the reversal of a tax valuation allowance related to Mexico[109]

Exhibit 99.1 Media Contact: Emily Karpenske | Senior Communication Specialist Emily.Karpenske@bwbmn.com | 952.653.0624 Investor Contact: Justin Horstman | VP Investor Relations Justin.Horstman@bwbmn.com | 952.542.5169 January 27, 2026 Bridgewater Bancshares, Inc. Announces Fourth Quarter 2025 Financial Results Fourth Quarter 2025 Highlights Full Year 2025 Highlights (1) Represents a non-GAAP financial measure. See "Non-GAAP Financial Measures" for further details. (2) Core deposits are defined as total depo ...

Exhibit 99.1 Media Contact: Emily Karpenske | Senior Communication Specialist Emily.Karpenske@bwbmn.com | 952.653.0624 Investor Contact: Justin Horstman | VP Investor Relations Justin.Horstman@bwbmn.com | 952.542.5169 January 27, 2026 Bridgewater Bancshares, Inc. Announces Fourth Quarter 2025 Financial Results Fourth Quarter 2025 Highlights Full Year 2025 Highlights (1) Represents a non-GAAP financial measure. See "Non-GAAP Financial Measures" for further details. (2) Core deposits are defined as total depo ...

Financial Performance - For the three months ended December 31, 2025, the Company reported net income of $5.2 million, or $0.26 per diluted share, a 58.5% increase from $3.3 million, or $0.16 per diluted share, for the same period in 2024[1] - Net income for the three months ended December 31, 2025, increased by $1.9 million, or 58.4%, to $5.2 million, or $0.26 per diluted share, compared to $3.3 million, or $0.16 per diluted share, for the same period in 2024[22] - For the twelve months ended December 31, 2025, net income was $15.3 million, or $0.75 per diluted share, compared to $11.7 million, or $0.56 per diluted share, for the same period in 2024[34] - Net income for the quarter was $5,209 thousand, a significant increase from $3,167 thousand in the previous quarter, representing a 64.4% growth[75] Loan and Deposit Growth - Total loans increased by $113.2 million, or 5.5%, to $2.2 billion, while core deposits rose by $111.9 million, or 7.2%, to $1.7 billion[4] - Total loans increased by $113.2 million, or 5.5%, to $2.2 billion, with residential real estate loans increasing by $81.2 million, or 10.5%[51] - Total deposits increased by $98.3 million, or 4.3%, to $2.4 billion from December 31, 2024[5] - Average demand deposits increased by $20.9 million, or 3.7%, to $582.2 million for the twelve months ended December 31, 2025, compared to $561.3 million for the same period in 2024[39] Interest Income and Margin - The net interest margin expanded to 2.91% for the three months ended December 31, 2025, marking the sixth consecutive quarter of growth in both net interest income and net interest margin[3] - Net interest income rose by $3.6 million, or 23.3%, to $18.8 million for the three months ended December 31, 2025, driven by a $2.0 million increase in interest and dividend income and a $1.6 million decrease in interest expense[23] - The net interest margin increased by 48 basis points from 2.41% for the three months ended December 31, 2024, to 2.89% for the three months ended December 31, 2025[24] - Total interest and dividend income for the three months ended December 31, 2025, was $30,537 million, an increase from $28,586 million in the same period last year, representing a growth of 6.8%[70] Expenses and Efficiency - Non-interest expense increased by $92,000, or 0.6%, to $15.9 million for the three months ended December 31, 2025[19] - Non-interest expense increased by $944,000, or 6.3%, to $15.9 million for the three months ended December 31, 2025, primarily due to a $920,000 increase in salaries and employee benefits[30] - The efficiency ratio improved to 72.1% for the three months ended December 31, 2025, compared to 80.6% for the same period in 2024, reflecting increased net interest income[31] - The efficiency ratio improved to 75.6% for the twelve months ended December 31, 2025, down from 80.4% in 2024, driven by higher net interest income[44] Credit Quality - The allowance for credit losses was $20.3 million, or 0.93% of total loans, with a coverage ratio of 393.2% for nonaccrual loans[6] - The Company recorded a reversal of credit losses of $485,000 during the three months ended December 31, 2025, compared to a provision for credit losses of $1.3 million in the previous quarter[16] - Total delinquency decreased to $3.1 million, or 0.14% of total loans, at December 31, 2025, down from $5.0 million, or 0.24% in 2024[54] - Allowance for credit losses as a percentage of total loans was 0.93%, slightly down from 0.96% in the previous quarter[75] Shareholder Returns and Equity - The Company repurchased 599,853 shares of common stock at an average price of $9.73 during the twelve months ended December 31, 2025[3] - As of December 31, 2025, shareholders' equity was $247.6 million, representing 9.1% of total assets, an increase from $235.9 million or 8.9% at December 31, 2024[62] - The company paid cash dividends of $5.7 million and repurchased shares at a cost of $6.2 million during the reporting period[62] - Total shares outstanding as of December 31, 2025, were 20,372,786, reflecting the company's equity structure[62] Regulatory and Market Presence - The company operates 25 banking offices throughout western Massachusetts and northern Connecticut, indicating a stable market presence[65] - The company maintains strong regulatory capital ratios, exceeding minimum requirements to be considered well-capitalized[62] - The total capital ratio to risk-weighted assets was 14.19% as of December 31, 2025, slightly down from 14.38% in 2024[63] - Tier 1 capital ratio to risk-weighted assets was 12.21% for both 2025 and 2024, indicating stability in capital strength[63] Forward-Looking Statements - Forward-looking statements highlight potential risks including economic conditions, regulatory changes, and competitive pressures that could impact future performance[66] - The company intends to continue paying quarterly dividends, although future payments depend on various regulatory factors[64]

Revenue and Income Projections - Revenue for the year ended December 31, 2025 is estimated to be between $6,053.0 million and $6,083.0 million, representing an increase of approximately 15.6% to 16.1% compared to $5,237.2 million in the prior year[7] - Net income is expected to be between $270.0 million and $280.0 million, a significant increase from $11.0 million in the previous year[7] EBITDA and Cash Flow Estimates - Adjusted EBITDA is projected to be between $806.0 million and $812.0 million, reflecting an increase of 16.7% to 17.6% from $690.5 million in the prior year[8] - Cash Flow from Operations is estimated to be between $310.0 million and $320.0 million, compared to $76.3 million for the prior year, indicating an increase of $233.7 million to $243.7 million[8] - Free Cash Flow is expected to be between $200.0 million and $210.0 million, a turnaround from a cash use of $45.0 million in the previous year, representing an increase of $245.0 million to $255.0 million[9] - The midpoint reconciliation of net income to Adjusted EBITDA shows a net income of $275.0 million and an Adjusted EBITDA of $809.0 million, resulting in an Adjusted EBITDA Margin of 13.3%[10] - The Company anticipates a significant increase in cash flow metrics, with Free Cash Flow projected at $205.0 million compared to a negative $45.1 million in the prior year[14] Financial Reporting and Guidance - The Company emphasizes that these preliminary estimates are subject to revision and may differ materially from actual results due to ongoing financial closing processes[3] - Management highlights the importance of non-GAAP financial measures such as Adjusted EBITDA and Free Cash Flow for evaluating business operations and financial health[17] - The Company plans to provide a full disclosure of its 4Q 2025 and full-year 2025 results, along with its 2026 outlook, in the following month[2]

Financial Performance - Net income for Q4 2025 was $32.6 million, or $1.10 per diluted share, a significant increase from $6.0 million, or $0.22 per diluted share in Q3 2025, and $14.0 million, or $0.66 per diluted share in Q4 2024[4] - Adjusted earnings for Q4 2025, excluding merger-related expenses, were $25.8 million, or $0.87 per diluted share, reflecting a 14.74% increase from $22.5 million, or $0.82 per diluted share in Q3 2025[7] - For the full year 2025, adjusted earnings were $73.4 million, or $2.95 per diluted share, a 46.06% increase from $50.3 million, or $2.39 per diluted share in 2024[7] - Net income available to common shareholders for Q4 2025 was $32,573,000, a significant increase from $5,969,000 in Q3 2025, representing a growth of 444%[41] - Net income available to common shareholders for the twelve months ended December 31, 2025, was $61,829,000, representing a 22.9% increase from $50,273,000 in the previous year[34] Loan and Deposit Growth - Total loans reached $6.4 billion as of December 31, 2025, with organic loan growth of $26.6 million, or 0.42% (1.65% annualized) compared to Q3 2025[4] - Total deposits were $7.0 billion at December 31, 2025, with organic deposit growth of $122.1 million, or 2.21% (8.75% annualized) from Q3 2025[4] - The increase in loans for the full year was primarily driven by growth in the Ridge View Bank and BankOnBuffalo markets, with a total organic loan growth of $218.8 million, or 4.83% compared to December 31, 2024[7] - Total loans and loans held for sale increased to $6,489,706,000 for the three months ended December 31, 2025, up 9.3% from $5,971,441,000 in the previous quarter[35] - Total deposits as of December 31, 2025, reached $7,027,109,000, up from $6,900,267,000 in Q3 2025, indicating a growth of 1.84%[42] Asset Quality - Total nonperforming assets were approximately $42.2 million, or 0.50% of total assets, as of December 31, 2025, slightly up from $40.4 million, or 0.49% of total assets in Q3 2025[4] - Net loan charge-offs for the three months ended December 31, 2025, were $1.5 million, or 0.09% of average total loans, compared to $2.1 million, or 0.19%, for the same period in 2024[9] - The allowance for credit losses as a percentage of total loans was 1.03% as of December 31, 2025, compared to 1.05% as of September 30, 2025[27] - The provision for credit losses reflected a net reversal of $15.5 million for the three months ended December 31, 2025, compared to an expense of $18.5 million for the previous quarter[27] - The total nonperforming loans decreased to $39,887 thousand from $36,099 thousand in the previous quarter, indicating improved asset quality[37] Revenue and Income - Total revenue for the year ended December 31, 2025, was $282.2 million, an increase of 24.5% compared to $226.6 million for the year ended December 31, 2024[21] - Net interest income for the year ended December 31, 2025, was $242.0 million, reflecting a 29.11% increase from $187.5 million for the year ended December 31, 2024[21] - Total non-interest income for the year ended December 31, 2025, was $40.2 million, a slight increase from $39.1 million for the year ended December 31, 2024[21] - The yield on earning assets was 5.90% for the year ended December 31, 2025, an increase of 2 basis points from December 31, 2024[21] - Interest income for Q4 2025 was $115,550,000, compared to $108,645,000 in Q3 2025 and $83,678,000 in Q4 2024, showing a positive trend in revenue generation[44] Efficiency and Ratios - The efficiency ratio was 69.55% for the three months ended December 31, 2025, compared to 64.56% for the three months ended September 30, 2025[20] - The annualized return on average equity for the three months ended December 31, 2025, was 15.58%, up from 12.05% for the three months ended September 30, 2025[20] - The adjusted efficiency ratio (fully tax equivalent basis) improved to 58.80% for the three months ended December 31, 2025, from 57.67% in September 2025[46] - Return on average assets (GAAP) for the three months ended December 31, 2025, was 1.61%, up from 0.36% in the previous quarter[48] - The company reported a net interest spread of 3.32%, an increase from 3.13% in the previous quarter, highlighting improved efficiency in interest income generation[39] Shareholder Value - Book value per common share increased to $27.63 at December 31, 2025, from $26.68 at September 30, 2025, reflecting a 2.64% increase[5] - Cash dividends per common share remained stable at $0.18 for Q4 2025, consistent with the previous quarters[41] - The dividend payout ratio for Q4 2025 was 16%, a decrease from 82% in Q3 2025, indicating a more conservative approach to dividend distribution[41] - Shareholders' equity grew to $723,241 thousand, compared to $592,550 thousand in 2024, representing a 22.1% increase[40] - Tangible common equity reached $692,137 thousand in December 2025, compared to $657,900 thousand in September 2025 and $508,830 thousand in December 2024[45]

Financial Performance - Net income for Q4 2025 was $32.6 million, or $1.10 per diluted share, up from $6.0 million, or $0.22 per diluted share in Q3 2025, and $14.0 million, or $0.66 per diluted share in Q4 2024[4] - Adjusted earnings for Q4 2025 were $25.8 million, or $0.87 per diluted share, reflecting a 14.74% increase from $22.5 million, or $0.82 per diluted share in Q3 2025[7] - Adjusted earnings for the full year 2025 were $73.4 million, or $2.95 per diluted share, a 46.06% increase from $50.3 million, or $2.39 per diluted share in 2024[7] - Net income available to common shareholders for Q4 2025 was $32,573,000, a significant increase from $5,969,000 in Q3 2025 and $13,988,000 in Q4 2024[43] - Net income available to common shareholders for the twelve months ended December 31, 2025, was $61,829,000, representing a 23.0% increase from $50,273,000 in the previous year[34] - Adjusted net income available to common shareholders (non-GAAP) for the twelve months ended December 31, 2025, was $73,429,000, compared to $50,273,000 for the previous year, reflecting a year-over-year increase of 46%[41] Loan and Deposit Growth - Total loans reached $6.4 billion as of December 31, 2025, with organic loan growth of $26.6 million, or 0.42% (1.65% annualized) compared to Q3 2025[4] - Total deposits were $7.0 billion at December 31, 2025, with organic deposit growth of $122.1 million, or 2.21% (8.75% annualized) from Q3 2025[4] - Total loans and loans held for sale increased to $6,489,706,000, up 8.7% from $5,971,441,000 in the previous quarter[35] - Total deposits reached $7,027,109,000 in Q4 2025, up from $6,900,267,000 in Q3 2025, indicating a growth of 1.84%[42] Asset Quality - Total nonperforming assets were approximately $42.2 million, or 0.50% of total assets, as of December 31, 2025, compared to $40.4 million, or 0.49% of total assets in Q3 2025[4] - Net loan charge-offs were $1.5 million, or 0.09% (annualized) of average total loans, for the three months ended December 31, 2025, compared to $957 thousand, or 0.06%, for the three months ended September 30, 2025[9] - The allowance for credit losses as a percentage of total loans was 1.03% as of December 31, 2025, compared to 1.05% as of September 30, 2025[27] - Nonperforming assets as a percentage of total loans and other real estate owned (OREO) stood at 0.65%, slightly up from 0.62% in the prior quarter[37] Revenue and Income - Total revenue for the year ended December 31, 2025 was $282.2 million, an increase of 24.5% from $226.6 million for the year ended December 31, 2024[21] - Net interest income for the year ended December 31, 2025 was $242.0 million, reflecting a 29.11% increase from $187.5 million for the year ended December 31, 2024[21] - Total non-interest income for the year ended December 31, 2025 was $40.2 million, compared to $39.1 million for the year ended December 31, 2024[21] - Non-interest income for the three months ended December 31, 2025, was $12,084,000, a 14.4% increase from $10,566,000 in the previous quarter[34] Efficiency and Ratios - The efficiency ratio was 69.55% for the three months ended December 31, 2025, compared to 64.56% for the three months ended September 30, 2025[20] - The annualized return on average equity was 15.58% for the three months ended December 31, 2025, compared to 12.05% for the three months ended September 30, 2025[20] - The total risk-based capital ratio improved to 14.91%, compared to 13.97% in the previous quarter, reflecting a stronger capital position[37] - Common shareholders' equity as a percentage of total assets (GAAP) was 9.70%, up from 9.53% in the previous quarter and 8.93% a year ago, showing improved capital adequacy[45] Capital and Shareholder Value - Book value per common share increased to $27.63 at December 31, 2025, up from $26.68 at September 30, 2025[5] - Total shareholders' equity was $872.1 million as of December 31, 2025, representing an increase of $27.9 million, or 3.31% from September 30, 2025[31] - The increase in total shareholders' equity was driven by growth in earnings and an increase in additional paid-in capital related to the ESSA acquisition of $202.6 million[31] - Cash dividends per common share remained stable at $0.18 for both the current and previous quarters[34] Strategic Initiatives - The acquisition of ESSA Bancorp in July 2025 significantly contributed to the increase in earnings and loan growth[8] - The Corporation plans to optimize its branch and market footprint following the ESSA acquisition, which includes a strategic initiative involving $88.1 million in deposits classified as held for sale[7]

Exhibit 99.1 Enova Reports Fourth Quarter and Full Year 2025 Results CHICAGO, January 27, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced financial results for the fourth quarter and full year ended December 31, 2025. "Our fourth quarter results capped off another exceptional year for Enova as originations growth and solid credit across our portfolio once again drove strong financial performanc ...