Pacific West Bancorp Q4 net income steady at $126,000
Overview
U.S. bank's Q4 net income was $126,000, consistent with prior quarter
Loans grew 1.6% qtr/qtr to $276.6 mln, deposits rose 8.1% to $342.2 mln
Net interest margin improved to 3.37% from 3.17% in prior quarter
Outlook
Pacific West Bancorp sees strong loan pipelines supporting growth in 2026
Company focuses on disciplined balance-sheet management for sustained growth
Pacific West Bancorp expects asset-yield strength to benefit margins
Result Drivers
BALANCE SHEET RESTRUCTURING - Co's deliberate strategy to restructure balance sheet reduced reliance on higher-cost funding and enhanced asset yields
LOAN AND DEPOSIT GROWTH - Loans grew by $4.4 mln or 1.6% qtr/qtr, deposits increased by $25.6 mln or 8.1% qtr/qtr
NON-INTEREST INCOME INCREASE - Non-interest income for the qtr was $290,000, up 18.9% from prior qtr
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.05 |
|
Q4 Net Income |
| $126,000 |
|
Q4 Basic EPS |
| $0.05 |
|
Q4 Net Interest Margin (%) |
| 3.37% |
|
Q4 Provision for Credit Losses |
| -$174,000 |
|
Press Release: ID:nPn7dcHPWa
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