Core Insights - Community Bancorp (CMTV) reported strong earnings for Q3 2025, with net income rising to $4.7 million, a 52.4% increase year-over-year, driven by loan growth and expanding net interest income [2][10] - The company's stock has outperformed the S&P 500 index since the earnings report, gaining 2.7% compared to the index's 0.1% decline [1] Financial Performance - Net income for Q3 2025 was $4.7 million, or 84 cents per share, up from $3.1 million, or 55 cents per share, in Q3 2024 [2] - For the first nine months of 2025, earnings climbed 42.3% year-over-year to $12.3 million, or $2.18 per share [2] - Net interest income increased 21.4% year-over-year to $10.5 million in Q3 2025, supported by higher yields and an increase in interest and fees on loans [5] Asset and Deposit Growth - Total assets reached $1.23 billion as of Sept. 30, 2025, a 4.15% increase from $1.18 billion a year earlier [3] - The loan portfolio grew by $49 million, or 5.39%, while deposit balances advanced $78.7 million, or 8.47%, year-over-year [3] Capital Position - Equity capital improved to $111.9 million as of Sept. 30, 2025, representing a 13.9% increase from $98.3 million a year earlier [8] - Book value per share rose to $19.64 compared to $17.36 in the year-ago quarter, reflecting higher retained earnings [8] Non-Interest Income and Expenses - Non-interest income for Q3 totaled $2.1 million, up 4.4% from $2 million in Q3 2024 [7] - Non-interest expenses increased only 1.3% in the quarter, indicating effective cost controls [7] Management Commentary - President and CEO Christopher Caldwell attributed the strong earnings to disciplined execution and community banking values, emphasizing the bank's resilience amid sector consolidation [10] - The company announced a quarterly cash dividend of 25 cents per share, marking a 4% increase from the previous quarter [11] Strategic Outlook - Management's focus remains on efficiency, disciplined balance sheet management, and maintaining strong community relationships as key priorities for the remainder of 2025 and into 2026 [11]

Core Viewpoint - WesBanco, Inc. reported a net loss of $11.5 million for Q1 2025, primarily due to the acquisition of Premier Financial Corp. and associated credit loss provisions, despite strong organic loan and deposit growth [1][4]. Financial Performance - Net income available to common shareholders, excluding certain provisions and expenses, was $51.2 million, or $0.66 per share, compared to $33.2 million, or $0.56 per share, in Q1 2024 [1][3]. - Total interest income for Q1 2025 was $253.2 million, a 29.6% increase year-over-year, driven by higher loan and securities yields [23]. - Net interest income increased by 39.1% year-over-year to $158.5 million, reflecting the larger balance sheet from the PFC acquisition [10][23]. Acquisition Impact - The acquisition of Premier Financial Corp. added $5.9 billion in loans and $6.9 billion in deposits, significantly boosting WesBanco's total assets to $27.4 billion, a 54.2% increase year-over-year [5][11]. - The acquisition is expected to enhance WesBanco's market position and long-term growth strategy [4]. Loan and Deposit Growth - Total portfolio loans increased by 57.3% year-over-year to $18.7 billion, with organic growth contributing $0.9 billion [5][11]. - Total deposits rose by 57.8% year-over-year to $21.3 billion, with organic deposit growth of $922 million, or 6.8% [6][11]. Credit Quality - As of March 31, 2025, total loans past due as a percentage of the loan portfolio decreased to 0.43%, indicating stable credit quality [8]. - The allowance for credit losses was $233.6 million, with a coverage ratio of 1.25% [2][8]. Balance Sheet Strength - Total assets reached $27.4 billion, with total securities increasing by 30.1% year-over-year to $4.3 billion [5][28]. - The efficiency ratio improved to 58.6%, reflecting better expense management and the benefits of the PFC acquisition [11][25]. Capital Position - WesBanco's capital ratios remain strong, with a Tier I leverage ratio of 11.01% and a common equity Tier 1 capital ratio of 9.99% as of March 31, 2025 [14].

Large accelerated filer ¨ Accelerated filer ¨ As filed with the Securities and Exchange Commission on June 9, 2023 Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 NB Bancorp, Inc. Needham Bank 401(k) Plan (Exact Name of Registrant as Specified in Its Charter) (State or Other Jurisdiction of (Primary Standard Industrial (I.R.S. Employer Incorporation or Organization) Classification Code Number) Iden ...