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].