Victory Bancorp Q4 net income falls on merger-related expenses
Overview
Pennsylvania bank's Q4 net interest income rose yr/yr, driven by balance sheet management
Net income for Q4 fell yr/yr, impacted by merger-related expenses
Company ended year with no outstanding borrowings, down from $15.4 mln in 2024
Outlook
Victory Bancorp did not provide specific guidance for future quarters or full year in the press release
Result Drivers
LOAN GROWTH - Net loans increased due to demand for relationship-based lending
DEPOSIT INCREASE - Deposits rose by $15.1 mln year-over-year, supporting balance sheet strength
NET INTEREST INCOME - Improved due to disciplined balance sheet management and reduced funding costs
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.22 |
|
Q4 Net Interest Income |
| $3.82 mln |
|
Press Release: ID:nGNX1XkTGG
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