1st Colonial Q4 net income falls 17% yr/yr
Overview
Pennsylvania bank's Q4 net income fell 17% yr/yr but rose 95% from Q3
Q4 Non-interest income rose 63% yr/yr
Non-interest income for 2025 increased 54%, driven by payroll tax refunds for the Employee Retention Credit
Company progressing with strategic merger with Mid Penn Bancorp
Outlook
Company did not provide specific guidance for future quarters or full-year 2026
Result Drivers
NON-INTEREST INCOME - Non-interest income for 2025 increased 54% yr/yr, driven by payroll tax refunds for the Employee Retention Credit
PROVISION RELEASE - Provision release for credit losses was $541 thousand for Q4 2025, compared to $42 thousand for Q4 2024
MERGER EXPENSES - Non-interest expense for 2025 rose 25% yr/yr, impacted by merger-related costs
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.45 |
|
Q4 Net Income |
| $2.24 mln |
|
Q4 Net Interest Income |
| $7.13 mln |
|
Q4 Basic EPS |
| $0.46 |
|
Q4 Pretax Profit |
| $2.77 mln |
|
Press Release: ID:nBwbmYZGsa
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