Cornerstone Bancorp Q4 net income rises 3.9%
Overview
Cornerstone Bancorp reports Q4 net income of $3.1 mln, up from $3.0 mln yr/yr
Net interest margin improved to 3.77% in Q4 from 3.30% a year earlier
Loan portfolio grew 15.7% to $749.3 mln at year-end 2025
Outlook
Company did not provide specific future guidance
Result Drivers
LOAN PORTFOLIO GROWTH - Co's loan portfolio grew 15.7% to $749.3 mln, contributing to overall results
NET INTEREST MARGIN - Co's net interest margin improved to 3.77% in Q4 from 3.30% a year earlier
ASSET QUALITY - Asset quality remains high with only two credits on nonaccrual status totaling less than $422,000
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $3.14 |
|
Q4 Net Income |
| $3.09 mln |
|
Q4 Net Interest Income |
| $9.78 mln |
|
Q4 Net Interest Margin |
| 3.77% |
|
Q4 Provision for Credit Losses |
| $320,000 |
|
Press Release: ID:nPn1PRFpVa
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