Community Heritage Financial's Q4 net income rises 36.6% yr/yr
Overview
Community Heritage reports Q4 net income of $2.4 mln, up 36.6% yr/yr
Company's net interest margin rose to 3.56% in Q4 2025
Assets grew to $1.1 bln, driven by deposit and loan growth
Outlook
Company did not provide specific guidance for future quarters or full year
Result Drivers
LOAN GROWTH - Significant increases in construction, residential, and commercial real estate loans contributed to annual loan growth
INTEREST MARGIN IMPROVEMENT - Net interest margin rose due to repricing of fixed-rate loans and securities and lower cost of funds
NONINTEREST INCOME - Increase in card and merchant services fees offset declines in mortgage banking revenue
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.80 |
|
Q4 Net Income |
| $2.40 mln |
|
Q4 Net Interest Margin |
| 3.56% |
|
Press Release: ID:nPn2RgGsta
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