Core Insights - Potomac Bancshares, Inc. has appointed three new members to its Board of Directors: Matthew Lowers, Amit Puri, and Dr. Angela Wilson, effective January 20, 2026 [1][2] Group 1: Board Appointments - Matthew Lowers is a co-founder and managing partner of Seekye Capital, a private equity firm focused on profitable service and trade businesses in the DMV area. He has a background in founding Wholesale Screening Solutions, which was acquired and rebranded as InformData [3] - Amit Puri is an expert in space operations with experience in high-profile missions, currently serving as President and CEO of Kurtek, a space communications company. He previously founded Ingenicomm, which was acquired by Braxton Science & Technology Group in 2017 [4] - Dr. Angela Wilson is the founder and former CEO of SeKON, an IT firm focused on public health solutions, which was acquired by Alpha Omega in January 2025. She is also involved in real estate investment and serves as Chair of the Loudoun Economic Development Authority [5][6] Group 2: Company Overview - Potomac Bank, a wholly owned subsidiary of Potomac Bancshares, Inc., was founded in 1871 and renamed on November 3, 2025. As of September 30, 2025, the bank has approximately $962 million in assets [8] - The bank operates through its main office, eight branch offices, and two loan production offices across West Virginia and Virginia, offering a range of financial services including commercial and residential loans, and is a Small Business Administration (SBA) Preferred Lender [8] - Potomac Bank has received multiple accolades, including being voted "Loudoun's Favorite" in various categories in the 2025 LoudounNow readers' poll and recognized as a "Top 200 Community Bank" by American Banker in 2023 [8]

Core Viewpoint - Allspring Global Investments Holdings LLC has initiated a new position in Lakeland Financial Corporation, acquiring 23,726 shares valued at approximately $1.52 million, representing about 0.09% ownership of the company [2] Institutional Investment Activity - Parkside Financial Bank & Trust increased its position in Lakeland Financial by 248.0%, now owning 442 shares worth $27,000 after purchasing an additional 315 shares [3] - Osaic Holdings Inc. raised its stake by 186.0%, owning 469 shares valued at $29,000 after acquiring 305 additional shares [3] - EverSource Wealth Advisors LLC boosted its position by 1,212.5%, now holding 630 shares worth $39,000 after acquiring 582 shares [3] - GAMMA Investing LLC grew its position by 80.9%, owning 1,670 shares valued at $107,000 after purchasing 747 shares [3] - Dynamic Technology Lab Private Ltd acquired a new stake worth $215,000 in the first quarter [3] - Hedge funds and institutional investors collectively own 81.15% of Lakeland Financial's stock [3] Analyst Ratings Changes - Weiss Ratings reaffirmed a "hold (c)" rating on Lakeland Financial [4] - Hovde Group downgraded the stock from "outperform" to "market perform" [4] - Raymond James Financial maintained an "outperform" rating with a target price of $68.00, down from $74.00 [4] - Keefe, Bruyette & Woods reduced their price objective from $68.00 to $66.00, assigning a "market perform" rating [4] - The stock has an average rating of "Hold" and an average target price of $68.67 [4] Stock Performance - Lakeland Financial's stock opened at $57.57, with a market capitalization of $1.47 billion and a P/E ratio of 15.19 [5] - The stock has a 50-day moving average of $58.30 and a 200-day moving average of $61.92 [5] - The one-year low for the stock is $50.00, while the one-year high is $71.76 [5] Earnings Results - Lakeland Financial reported earnings of $1.03 per share for the quarter, exceeding analysts' expectations of $1.02 by $0.01 [6] - The company generated revenue of $69.03 million, slightly below the consensus estimate of $69.15 million [6] - The net margin was 23.23%, and return on equity was 13.77% [6] - Revenue increased by 3.9% compared to the same quarter last year [6] - Analysts forecast earnings per share of 3.7 for the current fiscal year [6] Dividend Announcement - Lakeland Financial announced a quarterly dividend of $0.50, paid on November 5th, with an annualized dividend of $2.00 and a yield of 3.5% [7] - The dividend payout ratio stands at 52.77% [7] Company Profile - Lakeland Financial Corporation is a bank holding company based in Warsaw, Indiana, offering a full range of commercial and consumer banking services [9] - The company operates through its principal subsidiary, Lakeland Bank, providing various deposit products and loan offerings [9]

Group 1 - Banner Corporation will report its fourth quarter results after the market closes on January 21, 2026 [1] - A conference call to discuss the results will be held on January 22, 2026, at 8:00 a.m. PT (11:00 a.m. ET) [1] - The call will be available for live listening on the company's website [2] Group 2 - Banner Corporation is a bank holding company with a total asset value of $16.56 billion [3] - The company operates a commercial bank across four Western states, providing a full range of deposit services and various types of loans [3]

Core Viewpoint - Pinnacle Bankshares Corp. has shown positive stock performance, surpassing its 50-day moving average, indicating potential investor interest and market confidence in the company. Group 1: Stock Performance - Pinnacle Bankshares' share price exceeded its 50-day moving average of $40.96, trading as high as $45.0990 and last at $44.80 with a trading volume of 1,800 shares [1] - The company has a market capitalization of $99.90 million, a P/E ratio of 9.26, and a beta of 0.30, suggesting relatively low volatility compared to the market [1] Group 2: Financial Performance - For the quarter ending October 27th, Pinnacle Bankshares reported earnings per share (EPS) of $1.34, with a net margin of 18.14% and a return on equity of 12.94% [2] - The company generated revenue of $12.27 million for the quarter, reflecting its operational scale and market presence [2] Group 3: Company Overview - Pinnacle Bankshares Corporation operates as the bank holding company for First National Bank, offering a variety of commercial and retail banking products and services [3] - The company provides checking accounts, savings and time deposits, individual retirement accounts, and various loan products including residential and commercial mortgages, home equity loans, and small business loans [3]

Core Insights - Potomac Bank has been recognized as a 2025 "Best Banks to Work For" by American Banker, marking its sixth selection in the last seven years [1][5]. Company Overview - Potomac Bank, founded in 1871 and renamed on November 3, 2025, is a wholly owned subsidiary of Potomac Bancshares, Inc. with approximately $962 million in assets as of September 30, 2025 [5]. - The bank operates through its main office and eight branch offices, providing a range of financial services including commercial and residential loans, trust services, and online banking [5]. Employee Satisfaction and Corporate Culture - The "Best Banks to Work For" program, initiated in 2013, evaluates banks based on employee satisfaction, with a focus on engaged leadership, corporate culture, job training, and employee benefits [2][3]. - Potomac Bank emphasizes creating a workplace where employees feel valued, offering initiatives such as employee ownership, paid time off for volunteering, and fostering a fun work environment [4][5]. Recognition and Awards - In addition to the "Best Banks to Work For" recognition, Potomac Bank has received multiple accolades, including being voted "Loudoun's Favorite" in various categories and recognized as a "Top 200 Community Bank" by American Banker in 2023 [5].

Core Viewpoint - Potomac Bank has been recognized as the "best" in four financial services categories in the 2025 Best of the Best Readers' Choice Awards by the Martinsburg Journal-News, marking a significant achievement for the bank and its team [1][2]. Company Overview - Potomac Bank, previously known as Bank of Charles Town since its founding in 1871, adopted its new name on November 3, 2025, to unify its offices across the Potomac River region [1][3]. - The bank operates with approximately $962 million in assets as of September 30, 2025, and has a network of one main office, eight branch offices, and two loan production offices located in West Virginia, Maryland, and Virginia [3]. Services Offered - Potomac Bank provides a range of financial services including commercial lines and term loans, residential and commercial construction loans, commercial real estate loans, agricultural loans, and government contractor loans [3]. - The bank is a Small Business Administration (SBA) Preferred Lender and offers various mortgage products, including secondary market and portfolio mortgage loans, home equity loans, and lines of credit [3]. Awards and Recognition - In addition to the 2025 Best of the Best awards, Potomac Bank was also recognized as a "Loudoun's Favorite" in multiple categories in the 2025 LoudounNow readers' poll [3]. - The bank has been named a "Top 200 Community Bank" by American Banker in 2023 and has received the "Best Bank To Work For" award five times since 2019 [3].

Financial Performance - The company reported net income of $2.1 million for Q2 2025, an increase of $654 thousand from $1.4 million in Q2 2024, with earnings per share rising from $0.34 to $0.50 [1][2] - For the first half of 2025, net income reached $4.3 million, up from $3.1 million in the same period of 2024, with earnings per share increasing from $0.75 to $1.03 [2][27] - Adjusted net income for Q2 2025 was $2.141 million, with adjusted earnings per share at $0.52, compared to $1.725 million and $0.42 in Q2 2024 [3][10] Revenue and Income Sources - Net interest income increased by $280 thousand, or 4%, to $7.6 million in Q2 2025 compared to Q1 2025, while total interest and dividend income rose by $490 thousand [5][27] - Noninterest income totaled $1.8 million in Q2 2025, a decrease of $63 thousand from Q1 2025, primarily due to a drop in other operating income [8][27] Asset Quality and Loan Performance - Nonperforming assets as a percentage of total assets were 0.24% as of June 30, 2025, compared to 0.25% in Q1 2025 and 0.34% in Q2 2024 [11][29] - Loan balances increased by 11% annualized in Q2 2025, with total loans reaching $736.4 million [10][16] Deposits and Borrowings - Total deposits increased by $22.5 million, or 12% annualized, to $794.9 million in Q2 2025 [18][29] - Other borrowings totaled $31.8 million, with a significant portion from the Federal Home Loan Bank of Pittsburgh [19] Shareholder Value and Capital Ratios - The company increased its quarterly cash dividend by 8% to $0.13 per share [10][21] - Shareholders' equity rose to $77.5 million, an increase of $1.4 million from Q1 2025 [20][29] Management Commentary - The CEO highlighted a 9% annualized revenue growth and robust loan and deposit growth, expressing optimism for the year ahead despite economic challenges [4][10]

Financial Performance - The company's total assets reached $1.6 billion as of June 30, 2024 [12] - Net income for the second quarter of 2024 was $6.786 million, a 1.9% increase compared to $6.660 million in the second quarter of 2023 [80] - Net interest income for the second quarter of 2024 increased by 6.8% to $18.405 million from $17.239 million in the second quarter of 2023 [80] - The net interest margin for 2023 was 4.71%, driven by higher rates and strategic investments [30] - In 2023, net income increased by 12.6% to $29.776 million [82] Deposits and Loans - As of June 30, 2024, non-interest-bearing deposits accounted for 51% of total deposits [45] - The average interest-bearing deposit rate was 0.84% for the three months ended June 30, 2024 [44] - Total loans reached $997 million as of June 30, 2024 [58] - Agricultural lending balances represented 12.5% of total loans as of June 30, 2024 [71] Investments and Borrowings - The investment portfolio totaled $445 thousand [41] - Securities totaling $115 million were sold in 1Q24, resulting in a $19.8 million loss [41] - Outstanding BTFP borrowings amounted to $105 million with a rate of 4.85% [55]