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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Pacific Valley Bank (PVBK) investor relations material
Pacific Valley Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income for Q2 2025 was $923 thousand, down 9.0% year-over-year and 2.3% sequentially, mainly due to higher personnel expenses.
Loans increased by $8 million in Q2, with the loan pipeline at its highest since the pandemic.
Deposits rose by $11 million in Q2, driven by growth in core deposits.
Infrastructure investments include a new loan production office and an upcoming branch in Santa Cruz.
Financial highlights
Net income for the six months ended June 30, 2025, was $1.9 million, down 15.7% year-over-year due to higher personnel and deposit interest expenses.
Net interest income for Q2 2025 was $4.9 million, up from $4.2 million in Q2 2024; net interest margin improved to 3.61% from 3.32%.
Non-interest income for Q2 2025 was $396 thousand, down from $567 thousand in Q1 2025 due to a prior quarter lease termination gain.
Non-interest expense for Q2 2025 was $4.0 million, up 27.1% year-over-year, mainly from higher personnel costs.
Return on average assets for Q2 2025 was 0.66%, down from 0.78% in Q2 2024.
Outlook and guidance
Management expects current investments in personnel and marketing to reduce near-term net income but drive long-term profitability.
Business conditions are changing due to competitor bank acquisitions, presenting growth opportunities.
When do new investments boost net income?
Plan to improve efficiency ratio
Strategy for growing core deposits?
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Next Pacific Valley Bank earnings date
Q3 202523 Oct, 2025
Next Pacific Valley Bank earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Pacific Valley Bank is a U.S.-based community bank offering a range of financial products and services tailored to individuals, businesses, and agricultural clients. The bank’s services include personal and business checking and savings accounts, commercial loans, agricultural financing, and online banking solutions. With a focus on supporting local communities, Pacific Valley Bank serves clients across California’s Central Coast, providing specialized banking solutions for small businesses and agricultural enterprises in the region. The bank is headquartered in Salinas, California, and its shares are listed on the OTC market.
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