American Business Bank's Q4 profit rises on loan growth
Overview
U.S. bank's Q4 net income rose 19% yr/yr to $14.8 mln
Net interest margin expanded to 3.78% from 3.66% in prior qtr
Total loans increased $126 mln or 4% over prior qtr
Outlook
Company expects robust loan pipeline to drive growth in 2026
Company anticipates further core deposit growth in 2026
Result Drivers
LOAN GROWTH - Total loans increased by $126 mln or 4% over the prior quarter, driven by owner-occupied commercial real estate loans
NET INTEREST INCOME - Net interest income rose 22% yr/yr, aided by higher average loan balances and yields, and reduced deposit costs
DEPOSIT COSTS - Cost of average deposits declined to 1.02% from 1.14% in the prior quarter, contributing to margin expansion
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Income |
| $14.80 mln |
|
Q4 Net Interest Income |
| $41.80 mln |
|
Q4 Net Interest Margin |
| 3.78% |
|
Press Release: ID:nBw4tjQYa
For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.
Related Articles
Coca Cola (KO) Q4 Earnings Preview: Look for the Upside in the AI Initiatives, not in the Revenue and the EPS
Coca-Cola (KO) enters its fourth-quarter 2025 earnings call tomorrow with significant momentum. However, a fundamental shift is occurring.
Warsh’s Fed Era Signals a Death Knell for QE, Jolting the $30 Trillion Treasury Market
With Warsh’s nomination, his past proposals for governing the Federal Reserve are being brought to the forefront. A central issue is the formulation of a new "1951 Accord" to restructure the relationship between the Fed and the Treasury. Analysts suggest such a move could impact the $30 trillion Tre
Amazon Stock Predictions for 2026 to 2030: Will They Exceed Expectations and Achieve Major Long-Term Goals?
TradingKey - As we head into 2026, many investors are questioning where Amazon (AMZN) fits into the technology world.
A Crash After a Surge: Why Silver Lost 40% in a Week?
TradingKey - Spot silver (XAGUSD) prices continue to decline. Silver plunged 20% on Thursday, breaking below $71 per ounce, with the sell-off intensifying on Friday as prices fell further below $64. Compared to the all-time high set on January 29, silver prices have retraced more than 40%, wiping out nearly all gains accumulated over the previous month.
