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Meridian Corporation (MRBK) investor relations material
Meridian Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Total assets grew 6.5% to $2.5 billion as of September 30, 2025, driven by $133.0 million (6.6%) growth in portfolio loans and a $125.7 million (6.3%) increase in deposits compared to December 31, 2024.
Net income for the nine months ended September 30, 2025 was $14.7 million, up 36.3% year-over-year, with diluted EPS of $1.28.
Q3 2025 net income was $6.7 million, up 19% from the prior quarter, with EPS of $0.58 per diluted share.
Return on average assets and equity improved to 0.79% and 10.98% for the nine months, and 1.04% and 14.42% for Q3, respectively.
Raised $2.8 million in common equity via ATM offering and returned $4.2 million to shareholders through dividends.
Financial highlights
Net interest income rose 23.9% year-over-year to $64.1 million for the nine months, with Q3 net interest income at $23.1 million and net interest margin increasing to 3.77%.
Provision for credit losses increased $4.0 million year-over-year, reflecting loan growth and higher non-performing loans.
Non-interest income increased 1.8% to $28.6 million for the nine months, but decreased 11.8% quarter-over-quarter in Q3.
Non-interest expense rose 6.8% to $61.6 million for the nine months, with a 0.9% increase in Q3, mainly due to higher salaries, benefits, and technology investments.
Asset quality: Non-performing assets to total assets rose to 2.32% from 1.90% at year-end; nonperforming loans to total loans at 2.53% in Q3; allowance for credit losses to loans at 1.01%.
Outlook and guidance
Management expects continued loan and deposit growth, focusing on core relationship-based funding and prudent credit risk management.
Interest rate risk simulations indicate a neutral balance sheet position, with manageable exposure to rate changes.
Management aims to capitalize on market consolidation and reduced competition in the metro area.
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Next Meridian Corporation earnings date
Q4 202523 Jan, 2026
Next Meridian Corporation earnings date
Q4 202523 Jan, 2026
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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.
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