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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Meridian Corporation
Meridian Corporation (MRBK) investor relations material
Meridian Corporation Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
Q3’26 net income was $5.207M, down 21.8% YoY and 10.3% QoQ; diluted EPS was $0.43 vs. $0.58 YoY.
Net interest margin was 3.77%, flat YoY and up 8 bps QoQ; pre-provision net revenue fell to $7.115M from $11.523M YoY.
Period-end assets were $2.572B, portfolio loans $2.162B and deposits $2.167B; equity was $203.6M.
9M net income was $13.0M, down 11.1% YoY; diluted EPS was $1.07 vs. $1.28.
Financial highlights
Q3 net interest income was $23.436M vs. $23.116M YoY and $22.8M QoQ; provision for credit losses was $1.130M vs. $2.850M YoY.
Non-interest income was $6.705M vs. $9.953M YoY and non-interest expense was $23.026M vs. $21.546M; income before taxes was $5.985M vs. $8.673M YoY.
9M net interest income increased to $69.4M from $64.1M; non-interest income declined 17.3% to $23.6M and non-interest expense rose 6.1% to $65.4M.
9M mortgage banking income rose 1.7% to $15.3M and wealth management income increased 14.6% to $5.3M; SBA loan income fell 89.1% to $0.5M.
Q3 income tax expense was $778K vs. $1.7M QoQ; the effective tax rate was 13.0% vs. 22.4%.
Outlook and guidance
Rate simulations showed a fairly neutral balance-sheet position over 12 months; modeled NII sensitivity was +0.38%, +0.60% and +0.73% at +100, +200 and +300 bps, and -0.71%, -1.26% and -1.68% at corresponding rate declines.
Deposit repricing pressure was expected to be offset by loan repricing; $855M of loans repriced up 33 bps in Q3.
Available liquidity was $362.6M, with $842.4M of additional borrowing access at Sept. 30, 2026; available resources were deemed adequate for funding needs.
Treasury and payments teams were strengthened to improve the deposit franchise, with results expected in 2027; management expects NPL resolution efforts to support stronger recoveries.
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Latest events from Meridian Corporation
- Net income rose 189.5% to $5.8M, with higher non-performers but strong collateral and a $0.14 dividend.MRBK
Q2 2026 - Q1 2026 net income fell as credit costs rose, but capital and liquidity remained strong.MRBKQ1 2026
- Board recommends approval of director elections, executive pay, and auditor ratification.MRBKProxy filing
- Votes will be cast on director elections, executive pay, and auditor ratification at the 2026 meeting.MRBKProxy filing
- Director elections, executive pay, and auditor ratification headline the annual meeting agenda.MRBKProxy filing
- Q4 net income up 8% sequentially, annual earnings up 34%, dividend raised 12%.MRBKQ4 2025
- Board recommends approval of director elections, executive pay, and auditor ratification.MRBKProxy Filing
- Annual meeting to elect directors, approve pay, and ratify auditor, with online voting available.MRBKProxy Filing
- Annual Meeting date corrected to Thursday, May 22, 2025, for shareholder clarity.MRBKProxy Filing
Next Meridian Corporation earnings date
Q4 202626 Jan, 2027
Meridian Corporation
Next Meridian Corporation earnings date
Q4 202626 Jan, 2027
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Frequently asked questions
Meridian Corporation operates as the holding company for Meridian Bank, providing a range of commercial and consumer banking services primarily in Pennsylvania, New Jersey, Delaware, Florida, and Maryland. The company's offerings include various deposit products such as checking, savings, and money market accounts. It also provides commercial and industrial loans, real estate and construction financing, and consumer lending, including home equity loans. Additionally, Meridian is involved in mortgage lending, wealth management, and financial planning services. The company serves small to mid-sized businesses and individual clients across these regions. Meridian Corporation is headquartered in Malvern, Pennsylvania, and its shares are listed on the NASDAQ.