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Middlefield Banc
Middlefield Banc (MBCN) investor relations material
Middlefield Banc Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary10 Feb, 2026
Executive summary
Achieved strong operating and financial growth in 2025, with continued momentum across the bank and a focus on completing a merger with Farmers National Banc Corp. in Q1 2026.
Financial highlights
Net interest income for 2025 rose $7.8M to $68.5M, up from $60.7M in 2024; net interest margin increased to 3.80% from 3.52% year-over-year.
Noninterest income grew $2.1M to $9.3M for 2025; noninterest expense increased to $54.8M, impacted by $1.8M in merger-related costs and accelerated vesting of performance share units.
Net income for 2025 was $19.4M ($2.39/diluted share), up from $15.5M ($1.92/diluted share) in 2024.
Pre-tax, pre-provision net income for 2025 was $23.0M, up from $20.4M in 2024.
Total assets at year-end 2025 increased 2.7% to $1.90B; total loans grew 4.3% to $1.59B; deposits rose 1.8% to $1.47B.
Outlook and guidance
Merger with Farmers National Banc Corp. expected to close in Q1 2026, anticipated to create new opportunities for stakeholders.
Q4 2025 merger costs and share vesting impact
Details on the Q3 2025 loan charge-off
Deposit mix shift impact on funding costs
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Latest events from Middlefield Banc
- Shareholders to vote on a merger converting each share into 2.6 shares of the surviving entity.MBCN
Proxy Filing19 Dec 2025 - 2025 proxy covers director elections, say-on-pay, auditor ratification, and governance practices.MBCNProxy Filing2 Dec 2025
- Earnings surged with 127% net income growth, record assets, and a merger announced.MBCNQ3 202513 Nov 2025
- Net income fell 16.6% to $8.3M as margins tightened, but loans and deposits hit record highs.MBCNQ2 20248 Oct 2025
- Earnings and asset growth accelerated, with margin expansion and improved credit quality.MBCNQ2 202512 Aug 2025
- Q1 2025 net income up 15.9%, EPS and loans rose, asset quality and margin improved.MBCNQ1 202527 Jun 2025
- Q4 2024 profit jumped 36.4% year-over-year; strong loan growth and capital support outlook.MBCNQ4 202427 Jun 2025
- Earnings and asset quality declined, but capital, liquidity, and book value per share improved.MBCNQ3 202413 Jun 2025
- Disciplined growth, strong asset quality, and community focus drive Middlefield's outperformance.MBCNInvestor Presentation13 Jun 2025
Next Middlefield Banc earnings date
Q1 202622 Apr, 2026
Middlefield Banc
Next Middlefield Banc earnings date
Q1 202622 Apr, 2026
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