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Middlefield Banc (MBCN) investor relations material
Middlefield Banc Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 was $5.3 million, up 127.4% year-over-year; nine-month net income was $16.3 million, up 52.8% year-over-year.
Diluted EPS for Q3 2025 was $0.65, and $2.01 for the nine months, both significantly higher than the prior year.
Total assets reached a record $1.98 billion, up 6.5% from the prior year; total loans grew 6.8% to $1.61 billion.
Book value per share increased 6.1% to $27.71; tangible book value per share rose 8.4% to $22.62.
A merger agreement with Farmers National Banc Corp. was announced, expected to close by Q1 2026.
Financial highlights
Net interest income for Q3 2025 was $17.6 million, up 16.5% year-over-year; nine-month net interest income was $51.1 million, up 13.2%.
Net interest margin expanded to 3.79% for Q3 2025, up from 3.46% year-over-year.
Noninterest income for Q3 2025 increased 33.3% to $2.3 million; nine-month noninterest income rose 38.6% to $7.3 million, including a $1.2 million one-time gain on real estate exchange.
Noninterest expense for Q3 2025 was $13.1 million, up 10.3% year-over-year, mainly due to higher salaries and a $711,000 loss on property held for sale.
Provision for credit losses was $392,000 for Q3 2025, down from $2.2 million in Q3 2024; nine-month provision was a net recovery of $19,000.
Outlook and guidance
Management expects to remain slightly liability-sensitive for the next 18 months, with minimal net interest margin expansion if rates decrease.
The merger with Farmers National Banc Corp. is anticipated to close by the end of Q1 2026.
Continued investments in operations and talent are expected to support sustained performance and shareholder value.
The relocation of the Westerville office is on track for Q4 opening, supporting regional expansion.
Management anticipates another year of profitable growth and progress for 2025.
What caused the recent NPA increase?
How does CRE portfolio mix align with strategy?
Future impact of Westerville office relocation?
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Next Middlefield Banc earnings date
Q4 202523 Jan, 2026
Next Middlefield Banc earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Middlefield Banc Corp operates as a bank holding company for The Middlefield Banking Company. The company provides a range of banking products and services, primarily targeting individuals, small to medium-sized businesses, and local governments. Its offerings include traditional deposit products like savings, checking, and money market accounts, as well as various loan products such as residential and commercial mortgages, consumer loans, and commercial real estate financing. Middlefield Banc Corp also offers services related to wealth management, financial planning, and online banking. The company is headquartered in Middlefield, Ohio, and its shares are listed on the NASDAQ.
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