这家已在A股市场大门外等候十七载的城商行迎来大动作。8月12日，北京商报记者从东莞银行方面获悉，该行全资子公司东莞银行（国际） 有限公司于8月11日在香港正式开业，东莞银行由此成为首家同时在香港设立分行及子行的城商行。作为扎根广东的区域性银行，东莞银行在 境外业务布局上持续发力。从香港分行的设立到如今子行的开业，其跨境服务版图正逐步扩大。分析人士指出，这一举措标志着区域性银行国 际化进度的加深，不仅有助于提升商业银行品牌影响力、拓宽收入来源，还能推动自身国际化管理水平的提升。 五年筹备路漫漫 时间回溯至2020年9月，彼时，粤港澳大湾区建设正加速推进，伴随着原广东银保监局的一纸批复，东莞银行投资设立香港子行的国际化征程 按下了"启动键"。2021年8月，莞银国际有限公司（以下简称"莞银国际"）在香港注册成立；2024年，政策东风再度加持，广东省印发的《广 东省关于支持东莞深化两岸创新发展合作的若干措施》中明确提及"支持东莞银行在香港设立子行"；同年10月，莞银国际获发香港银行牌照， 筹备工作进入冲刺阶段；2025年1月，莞银国际完成名称变更，"东莞银行（国际）有限公司"的新身份正式确立；直至今年8月，监管部门 ...

Core Insights - Tompkins Financial reported strong Q2 2025 results, with both GAAP earnings per share and revenue exceeding Wall Street forecasts, driven by growth in core banking activities and improved net interest margin [1][5][12] Financial Performance - Diluted earnings per share (GAAP) for Q2 2025 reached $1.50, surpassing analyst expectations of $1.43 and the previous year's $1.10, marking a 36.4% year-over-year increase [2][5] - Revenue for Q2 2025 was $82.6 million, exceeding the anticipated $81.1 million and up 13.7% from $72.7 million in Q2 2024 [2][5] - Net interest margin improved to 3.08% in Q2 2025 from 2.73% in Q2 2024, reflecting better loan yields and modest balance sheet growth [2][5] - Total loans increased to $6.17 billion, up $410.8 million or 7.1% year-over-year, with significant growth in commercial real estate and business lending [6][12] - Total deposits reached $6.7 billion, with a loan-to-deposit ratio of 91.9% as of Q2 2025 [6] Asset Quality - Nonperforming assets decreased to 0.63% of total assets from 0.79% a year earlier, indicating improved asset quality [2][7] - A provision for credit loss expense of $2.8 million was recorded, influenced by a $4.7 million charge-off from a single commercial real estate loan [7][14] - Despite the charge-off, the ratio of loan loss reserves to total loans was 0.95%, and the ratio of loan loss reserves to nonperforming loans rose to 111.55% [7][14] Strategic Focus - Tompkins Financial emphasizes a community-focused banking model, maintaining close ties with local customers to support stable deposit bases and quick lending decisions [3][10] - Recent strategic efforts include investing in digital banking technology, managing competition from larger banks and fintechs, and recruiting skilled teams [4][11] - The company has a robust capital position, with Tier 1 capital at 9.36% of average assets and liquidity at $1.5 billion, representing 18.0% of total assets [9][15] Future Outlook - Management expressed confidence in the bank's growth potential and capital flexibility, supported by a solid balance sheet and a recently authorized share repurchase program [16] - Investors are advised to monitor asset quality, particularly in commercial real estate loans, and the impact of rising personnel and operating expenses on margins [17]