Jefferson Security Bank's Q4 net income nearly doubles
Overview
Community bank's Q4 net income rose 96.1% yr/yr, driven by loan and deposit growth
Net interest income for 2025 rose 8.1% yr/yr, supported by higher loan balances
Company's FY net interest margin expanded to 2.98%, aided by lower borrowing costs
Outlook
Company expects to sustain momentum with strong liquidity and net interest margin expansion
Result Drivers
LOAN PORTFOLIO GROWTH - Growth in loan portfolio attributed to increases in residential and commercial real estate loans
STRONG ASSET QUALITY - Asset quality remains strong with low levels of nonperforming assets
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
FY Net Income |
| $4.20 mln |
|
FY Net Interest Income |
| $15.70 mln |
|
FY Net Interest Margin |
| 2.98% |
|
Press Release: ID:nBwcgqHgBa
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