US Metro Bancorp Announces Fourth Quarter 2025 Results

Core Viewpoint - US Metro Bancorp reported a decrease in net income for the fourth quarter of 2025 compared to the previous quarter, but showed significant year-over-year growth in annual earnings and key financial metrics [1] Financial Performance - Consolidated net income for Q4 2025 was $2.2 million, down from $2.9 million in Q3 2025 [1] - For the twelve months ending December 31, 2025, consolidated net income was $10.2 million, an increase from $7.1 million in 2024, representing a year-over-year growth of 43.36% [1] - Earnings per share (EPS) for Q4 2025 was $0.14, down from $0.18 in Q3 2025, but up from $0.43 in Q4 2024 [1] - The annualized return on average assets (ROAA) was 0.68% and return on average equity (ROAE) was 9.49% for the year [1] Asset and Deposit Growth - Total assets as of December 31, 2025, were $1.551 billion, an 11.1% increase from $1.397 billion a year earlier [1] - Year-over-year loan growth was $101.5 million, or 8.6% [1] - Total deposits at the end of Q4 2025 were $1.353 billion, reflecting a $124.2 million increase or 10.1% from $1.229 billion on December 31, 2024 [1] Non-Performing Assets and Credit Losses - Non-performing assets as a percentage of total assets increased to 1.56% as of December 31, 2025, compared to 0.66% a year earlier [1] - The allowance for credit losses (ACL) to gross loans was 1.24% as of December 31, 2025, slightly up from 1.20% in 2024 [1] - A provision for loan loss expense of $3.9 million was recorded for the twelve months ending December 31, 2025, compared to $1.6 million in 2024 [1] Management Commentary - The CEO expressed optimism about the bank's growth in loans and deposits, highlighting improved profitability and performance metrics in 2025 [1]