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Meridian Corporation (MRBK) investor relations material
Meridian Corporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $5.6 million ($0.49 per diluted share), up 68.1% year-over-year and 133% from the prior quarter, driven by improved margins, SBA loan sales, and mortgage seasonality.
Total assets grew 5.2% year-to-date to $2.5 billion as of June 30, 2025, but declined 0.7% from March 31, 2025, due to withdrawal of a large temporary deposit.
Pre-provision net revenue rose to $11.1 million, a 57% increase from Q2 2024, reflecting business growth and expense control.
Return on average assets and equity improved to 0.90% and 12.68% for Q2 2025.
Board declared a $0.125 per share quarterly dividend, payable August 18, 2025.
Financial highlights
Net interest income for Q2 2025 was $21.2 million, up 25.6% year-over-year and $1.4 million sequentially; net interest margin expanded to 3.54%.
Non-interest income increased 22.1% year-over-year and 54% quarter-over-quarter to $11.3 million, led by mortgage banking and SBA loan sales.
Non-interest expense rose 12.3% in Q2 to $21.4 million, mainly due to higher salaries and advertising.
Book value per share was $15.76 and tangible book value per share was $15.44 at June 30, 2025.
Allowance for credit losses to loans increased to 1.00% at June 30, 2025.
Outlook and guidance
Management forecasts full-year loan growth in the 8-10% range, despite Q2 loan growth being impacted by SBA loan sales and planned lease paydowns.
Interest rate risk simulations indicate a neutral balance sheet position over the next 12 months, with manageable exposure to rate changes.
Economic value of equity analysis suggests a negative impact from rapid rate declines, but gradual shifts would have a more modest effect.
Focus remains on reducing historically high nonperforming loans, though resolution is expected to be slow.
Management continues to focus on growing relationship-based deposits and funding short- to medium-term assets.
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