Core Viewpoint - First Commerce Bancorp, Inc. has successfully concluded its tender offer to repurchase up to 3,000,000 shares of its common stock at a price of $7.00 per share [1] Group 1 - The tender offer was initiated to repurchase shares, indicating the company's strategy to manage its capital structure [1] - The conclusion of the tender offer occurred on February 27, 2026, at 5:00 P.M., marking the end of this specific repurchase initiative [1] - The repurchase price set at $7.00 per share reflects the company's valuation and commitment to returning value to shareholders [1]

FRANKLIN, Ind.--(BUSINESS WIRE)--(OTCID: TDCB) — Third Century Bancorp, an Indiana corporation and parent company of Mutual Savings Bank, announced that on February 26, 2026, the Board of Directors declared a dividend of $0.05 per share for shareholders of record on March 18, 2026. The dividend payable date is April 2, 2026. Founded in 1890, Mutual Savings Bank is a full-service financial institution with $349 million in assets as of December 31, 2025. In addition to its main office at 80 East Jefferson Str ...

STURGIS, MI / ACCESS Newswire / February 26, 2026 / Sturgis Bancorp, Inc. (OTCQX:STBI) today reported for the fourth quarter and full-year 2025: Tier 1 Capital The Bank maintained strong capital ratios, exceeding well capitalized requirements, with Tier 1 leverage capital at 8.11%. Key Quarterly Highlights Net income was $2.0 million. ...

Farmers & Merchants Bancorp ( FMCB ) is the holding company for Farmers & Merchants Bank of Central California. The company serves a relatively small geographic area in the Golden State, but what it lacks in size, it makes up inI have been involved in the financial world for over 25 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for p ...

MOUNTLAKE TERRACE, Wash., Feb. 25, 2026 (GLOBE NEWSWIRE) -- FS Bancorp, Inc. (“FS Bancorp”) (NASDAQ: FSBW) and Pacific West Bancorp (“Pacific West”) (OTCPK: PWBK) announced today the signing of a definitive merger agreement and plan of merger (the “Agreement”) whereby Pacific West will merge into FS Bancorp in a stock and cash transaction valued at approximately $34.6 million. As of December 31, 2025, on a pro forma consolidated basis, the combined company would have approximately $3.6 billion in assets, $3 ...

Core Viewpoint - National Capital Bancorp, Inc. has announced a share repurchase program of up to $900,000, allowing for the repurchase of up to 18,000 shares, which is approximately 1.5% of outstanding shares, with an expiration date of February 28, 2027 [1] Group 1 - The share repurchase program will be executed at the discretion of management, depending on market conditions and other business considerations [1] - The program allows for purchases in both open market and private transactions [1] - The total number of shares repurchased under the program is capped at 18,000 shares [1]

Financial Performance - Fintech Solutions generated fee income of $141.1 million in 2025, a 21% increase from $116.8 million in 2024[30] - The total balance of fintech loans reached $1.10 billion as of December 31, 2025, representing a 142% increase from $454.4 million at the end of 2024[30] - Prepaid and debit card gross dollar volume (GDV) was $178.21 billion in 2025, a 17% increase from $152.64 billion in 2024[23] - Fee income from prepaid, debit card, and related sources was $103.5 million in 2025, up from $97.4 million in 2024[20] - As of December 31, 2025, the Company's total assets were reported at $9.35 billion, and exceeding $10 billion would subject it to heightened regulatory requirements[151] Loan Portfolio - Real estate bridge lending (REBL) accounted for $2.26 billion, or 31% of the total loan portfolio as of December 31, 2025[25] - Institutional banking loans totaled $1.96 billion, representing 27% of the total loan portfolio[25] - Small business lending (SBL) reached $1.01 billion, or 14% of the total loan portfolio[25] - The weighted average loan-to-value (LTV) for the REBL portfolio was 71% as of December 31, 2025[25] - Loans to related parties amounted to $4.8 million and $6.9 million for the years ended December 31, 2025 and 2024, respectively[89] Capital and Regulatory Compliance - As of December 31, 2025, the Company had a total capital to risk-adjusted assets ratio of 12.19% and a Tier 1 capital to risk-adjusted assets ratio of 11.08%[65] - The Bank's leverage ratio was 9.70% as of December 31, 2025, exceeding the regulatory minimum[66] - The Company and the Bank are required to maintain a capital conservation buffer of 2.5% of Common Equity Tier 1 (CET1), resulting in minimum ratios of CET1 to risk-weighted assets of at least 7%[71] - The minimum Tier 1 capital ratio requirement for well-capitalized status has increased to 8% from the previous 6% under Basel III rules[75] - The Company must maintain a CET1 ratio of at least 4.5% to risk-weighted assets to retain its financial holding company status[77] Employee and Organizational Structure - The Company had 733 full-time employees as of December 31, 2025, with no employees covered by a collective bargaining agreement[45] - The Company is committed to providing competitive benefit programs, including healthcare coverage and retirement benefits, to promote employee well-being[48] - The Chief Human Resources Officer oversees talent acquisition and development, aiming to attract high-performing talent[46] - The Company emphasizes an inclusive work environment, implementing strategies to promote diversity and employee engagement[49] Cybersecurity and Risk Management - The Company maintains a Cybersecurity Program aligned with NIST and CIS standards, including annual PCI certification[42] - Cybersecurity risks could lead to loss of customers, reputational damage, and significant legal and financial exposure[200] - The company utilizes quantitative models for risk management, but these models may not be effective, especially during market distress, leading to potential financial losses[186] - The Company must notify its primary federal regulator of any significant computer-security incident within 36 hours of determining that a cyber incident has occurred[97] Regulatory Environment - The Company is subject to extensive regulation by the Federal Reserve and OCC, impacting its operational activities and financial condition[52] - The Bank is required to implement a risk-based compliance program to protect against financial crimes, including money laundering and terrorist financing[99] - The Bank is subject to numerous federal consumer protection laws related to its lending activities, including the Truth in Lending Act and the Equal Credit Opportunity Act[106] - The Dodd-Frank Act has implemented significant changes in financial regulation, including the creation of the CFPB and new capital rules for bank holding companies[114] Market and Competitive Landscape - The company is facing significant competition from various financial institutions, including commercial banks, credit unions, and fintech companies, which could adversely affect its market share and profitability[154] - Future profitability will depend on the company's ability to grow its Fintech Solutions business and generate non-interest income, while managing credit risk and optimizing its balance sheet[132] - The company must navigate regulatory changes and competitive pressures that could materially affect its business and financial results[131] Financial Risks and Challenges - Economic conditions, including inflation and slow growth, have negatively impacted the company's business performance and could lead to increased credit losses[157] - The company has seen increases in delinquent and defaulted loans due to weak economic conditions, which could adversely affect its earnings[182] - Changes in interchange rates set by payment networks could significantly impact the company's revenues, necessitating adjustments to its fee structure[173] - The potential for fraud in the card payment industry poses significant risks, with past incidents leading to substantial losses for issuers[174] Strategic Initiatives - The company is actively evaluating merger and acquisition opportunities, but such transactions carry risks that could dilute shareholder value and impact financial performance[140] - The success of the SBA lending program is contingent on maintaining Preferred Lender status and compliance with SBA requirements, with potential adverse effects on financial results if status is lost[195] - The company is dependent on digital delivery channels for its banking and fintech services, facing unique challenges such as security concerns and competition from traditional financial institutions[137] Accounting and Financial Reporting - Financial statements are based on management's estimates, and significant variances from these estimates could lead to decreased earnings[211] - The company maintains an allowance for credit losses to cover current and future expected losses in its loan portfolio, which is based on historical loan losses and current delinquency trends[212] - Changes in accounting policies or standards could materially affect how the company reports its financial results and condition, potentially requiring restatements of prior period financial statements[214]

HOUSTON--(BUSINESS WIRE)--Stellar Bancorp, Inc. (the "Company†) (NYSE: STEL) announced today that on February 25, 2026, its Board of Directors declared a quarterly cash dividend of $0.15 per share of common stock payable on March 31, 2026, to the shareholders of record at the close of business on March 16, 2026. About Stellar Bancorp, Inc. Stellar Bancorp, Inc. is a bank holding company headquartered in Houston, Texas. The Company's principal banking subsidiary, Stellar Bank, provides a diversi. ...

Fifth Third Bancorp to Participate in the RBC Capital Markets Financial Institutions ConferenceFeb 24, 2026 5:07 PM Eastern Standard Time# Fifth Third Bancorp to Participate in the RBC Capital Markets Financial Institutions ConferenceShare---CINCINNATI--([BUSINESS WIRE])--Fifth Third Bancorp (Nasdaq: FITB) will participate in the 2026 RBC Capital Markets Financial Institutions Conference on March 11, 2026, at approximately 11:20 AM ET. Bryan Preston, executive vice president and chief financial officer, and ...

Core Viewpoint - Merchants Bancorp has declared quarterly cash dividends for the first quarter of 2026, reflecting its commitment to returning value to shareholders [1] Dividend Announcements - A cash dividend of $0.11 per share on the common stock, payable to shareholders of record on March 13, 2026, and payable on April 1, 2026 [1] - A cash dividend of $15.00 per share on the 6% Series C preferred stock, equivalent to $0.375 per depositary share, also payable on the same dates [1] - A cash dividend of $20.625 per share on the 8.25% Series D preferred stock, equivalent to $0.5156 per depositary share, with the same payment schedule [1]