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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.Q2 2025 earnings summary24 Jul, 2025
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.
Why did SBA loan gross margin decrease?
Explain the forecast of 8-10% loan growth.
What drove the $86.4M decline in non-interest deposits?
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Next Meridian Corporation earnings date
Q3 202527 Oct, 2025
Next Meridian Corporation earnings date
Q3 202527 Oct, 2025
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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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