Overview
- Operating revenues reached $215.6 million in Q4 2025, including a record $133.4 million of net interest income as net interest margin rose 6 basis points to 3.39%.
- Quarterly non‑interest expense increased to $138.5 million, driven by performance‑based incentive true‑ups and costs from the Santander branch acquisition and consolidation.
- GAAP diluted EPS was $1.03, operating EPS was $1.12, and operating PPNR per share was $1.58, with management highlighting transactional items in the quarter.
- Guidance for 2026 calls for loan growth of 3.5%–6%, deposit growth of 2%–3%, and NII growth of 8%–12%, alongside de novo branches and the planned ClearPoint acquisition to expand fee services.
- Leadership reported stable credit metrics and liquidity, with CEO Dimitar Karaivanov citing 16% operating earnings growth for 2025 and strength across businesses.