Second quarter 2025 net income of $38.0 million, decreased $38.4 million compared to second quarter of 2024 and decreased $20.3 million compared to the first quarter 2025, reflecting an increase in provision for credit losses of $43.1 million and $45.3 million, respectively. An increase in provision for credit losses was primarily associated with estimated declines on multi-family property values after receiving new appraisals and the ongoing investigation of borrowers involved in mortgage fraud or suspect ...

OTTAWA, Ill., July 28, 2025 (GLOBE NEWSWIRE) -- Ottawa Bancorp, Inc. (the “Company”) (OTCQX: OTTW), the holding company for OSB Community Bank (the “Bank”), announced net income of $0.5 million, or $0.21 per basic and diluted common share, for the three months ended June 30, 2025, compared to a net loss of $(0.2) million, or $(0.08) per basic and diluted common share, for the three months ended June 30, 2024. For the six months ended June 30, 2025, the Company announced net income of $0.9 million, or $0.39 ...

2nd Quarter 2025 Nasdaq: HMST July 28, 2025 Important Disclosures Forward-Looking Statements This presentation includes forward-looking statements, as that term is defined for purposes of applicable securities laws, our industry, our future financial performance, business plans and expectations. These statements are, in essence, attempts to anticipate or forecast future events, and thus subject to many risks and uncertainties. These forward-looking statements are based on our management's current expectatio ...

Second Quarter 2025 Highlights GAAP Net Income of $13.1 million, or $0.78 per share, and return on average assets ("ROA") of 1.60% Core net income(1) of $14.2 million, or $0.85 per share, and core ROA(1) of 1.73% Book value per common share of $22.92 at June 30, 2025, increased $0.73 compared to 1Q 2025, and increased $3.66 when compared to 2Q 2024 Tangible book value per share(1) of $20.64, increased 4.2% (not annualized), or $0.83 as compared to 1Q 2025, and increased 7.2%, or $1.38 compared to 2Q 2024 Re ...

BOCA RATON, Fla., July 28, 2025 (GLOBE NEWSWIRE) -- NewtekOne, Inc. (the "Company") (Nasdaq: NEWT) reports its financial and operating results for the three months ended June 30, 2025 ("2Q25"). Financial Highlights for 2Q25 Basic and diluted earnings per share ("EPS") were $0.53 and $0.52, respectively, vs. $0.43 and $0.43, respectively, for 2Q24, reflecting Y/Y increases of 23% and 21%, respectively.Book value per common share ended 2Q25 at $11.11, up Y/Y and Q/Q by 12.9% and 3.5%, respectively.Tangible bo ...

Core Insights - Commercial National Financial Corporation (CEFC) reported a net income of $1,607,000 or $0.41 per share for Q2 2025, an increase from $1,412,000 or $0.36 per share in Q2 2024, with a return on equity of 12.36% compared to 11.96% in the previous year [1][6]. Financial Performance - Net interest income for Q2 2025 rose by $400,000 or 8.7% year-over-year, while interest income decreased by $168,000 due to lower loan balances. Interest expense fell by $568,000 as deposit rates were reduced following federal funds rate cuts [2]. - Non-interest income decreased by $71,000 or 11.6%, primarily due to lower miscellaneous income, and operating expenses increased by $40,000 or 1.1% [2]. Asset and Loan Quality - Total assets as of June 30, 2025, were $552 million, down from $573 million a year earlier, mainly due to repayment of wholesale funding and trust preferred debt. Total loans decreased by $28 million or 6.9% due to high-interest rates and early loan payoffs, but loan quality remained strong with a non-performing assets ratio of 0.27% [3][6]. Capital and Shareholder Returns - CEFC's wholly owned subsidiary, Commercial Bank, is significantly above "well capitalized" for regulatory purposes. The company announced a share repurchase program in May 2025, which remains in effect indefinitely, allowing for discretionary repurchases based on various market factors [4][6]. Selected Financial Ratios - Return on equity for Q2 2025 was 12.36%, up from 11.96% in Q2 2024. Return on assets improved to 1.16% from 0.98%, and net interest margin increased to 3.80% from 3.38% [6]. - The non-performing assets ratio was 0.27%, up from 0.22% a year earlier, while the Tier 1 leverage capital ratio was 10.63%, compared to 9.98% in the previous year [6]. Income Statement Highlights - For Q2 2025, interest income was $6,541,806, down from $6,709,614 in Q2 2024. Net interest income increased to $4,977,600 from $4,577,841 year-over-year. Non-interest income was $542,666, down from $613,892 [7][8].

惠誉：美国银行业在经济不确定的情况下，第二季度业绩表现稳健。 ...

WASHINGTON, DC - APRIL 01: Fired employees of the Department of Health and Human Services (HHS) take ... More personal belongings with them as they leave HHS Mary E. Switzer Memorial Building on April 01, 2025 in Washington, DC. Widespread layoffs began today across Health and Human Service Administration offices after it was announced last week that the Trump Administration plans to cut 10,000 jobs at HHS. (Photo by Kevin Dietsch/Getty Images)Getty ImagesCompanies are bragging about their staff cuts in the ...

Financial Data and Key Metrics Changes - Earnings per share increased to $1.60, up $0.09 from the previous quarter, marking the fourth consecutive quarter of growth [16] - Net income for the quarter was $47.6 million, an increase of $3.7 million compared to the linked quarter [16] - Net interest income (NII) and net interest margin (NIM) expanded for the fifth consecutive quarter, with NII increasing by $3.9 million and NIM by seven basis points [17] Business Line Data and Key Metrics Changes - The loan portfolio is balanced between consumer (56% or $7.9 billion) and commercial loans (44% or $6.1 billion) [10] - Consumer loans are predominantly secured against real estate, with a weighted average loan-to-value (LTV) of 48% and a combined average FICO score of 800 [10] - Commercial real estate loans represent $4 billion, or 29% of total loans, with a weighted average LTV of 55% [11] Market Data and Key Metrics Changes - Employment in Hawaii continues to outperform the broader U.S. economy, with visitor expenditures up 6.5% year-to-date and arrivals up 2.8% through May [8] - Residential real estate prices in Hawaii remain stable, with single-family home prices rising modestly while condo prices decreased by 0.5% year-to-date [9] Company Strategy and Development Direction - The company maintains a unique business model focused on the Hawaii market, where it holds a strong market position with over 90% of FDIC reported deposits [6] - The strategy includes a focus on deposit remixing from lower-yield deposits to higher-yield deposits while maintaining overall deposit levels [7] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about continuing to expand NIM, projecting a potential NIM of 2.50 by year-end [29] - The company is closely monitoring the economic environment and is cautious about commercial loan performance, which was flat on a linked basis [40][41] Other Important Information - The allowance for credit losses on loans and leases ended the quarter at $148.5 million, up $800,000 from the linked quarter [15] - Non-interest income increased to $44.8 million, including a one-time gain of approximately $800,000 related to a BOLI recovery [21] Q&A Session Summary Question: Margin path and cost of funds - Management believes a NIM of 2.50 is achievable and expects continued improvement in the cost of deposits [29][30] Question: Balance sheet growth and securities - The company anticipates continued growth in the securities portfolio, with cash flows from fixed assets being reinvested [31][34] Question: Commercial and industrial loan trends - Management noted a disappointing quarter for commercial loans, with hopes for improvement as market clarity increases [40][41] Question: Deposit composition and growth - Management is focused on building demand deposits, which are high-margin products, but acknowledges the competitive landscape [45][46] Question: Expense growth expectations - The company expects a 2% to 3% increase in expenses for the year, with a potential step back in the second half [52] Question: Capital priorities and buybacks - Management plans to maintain its position on buybacks until there is more clarity on the economy [54] Question: Cash flows from securities and loans - Expected cash flows from the securities book are projected to be around $550 million [58]

Shares of Waterstone Financial, Inc. (WSBF) have gained 1.3% since the company reported its earnings for the quarter ended June 30, 2025. This compares to the S&P 500 index’s 1.4% growth over the same time frame. Over the past month, the stock has declined 0.6% compared with the S&P 500’s 3.2% growth.For the second quarter ended June 30, 2025, Waterstone Financial reported net income of 43 cents per share compared to 31 cents per share for the same period in 2024, an earnings per share (EPS) increase of app ...