Triad Business Bank Q4 net income rises
Overview
Community bank's Q4 net income rises to $497,000 from a loss of $2.8 mln yr/yr
Net interest margin increased 42 basis points in Q4, driven by lower cost of funds
Company reports a reversal of provision for credit losses for 2025
Outlook
Triad Business Bank expects net interest margin to increase through 2026 and 2027
Result Drivers
NET INTEREST MARGIN - Increase in net interest margin due to lower cost of funds, rising 42 basis points to 2.69% in Q4 2025
CREDIT LOSS PROVISIONS - Significant reduction in provision for credit losses, with a reversal of $194,000 for 2025
NONINTEREST INCOME - Decrease in noninterest income due to absence of one-time bonus dividend received in prior year
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Interest Income |
| $3.50 mln |
|
Q4 Net Interest Margin |
| 2.69% |
|
Press Release: ID:nBw4qtQBqa
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