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Preferred Bank (PFBC) investor relations material
Preferred Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Record Q3 2025 net income of $35.9 million ($2.84 per share), up $3.1 million sequentially, driven by higher net interest income and lower interest expense.
Credit quality improved as nonperforming loans dropped from $52.3 million to $17.6 million, mainly due to foreclosure and sale of a large OREO asset.
Loan growth of 2.3% ($133 million) and deposit growth of 2.5% ($151 million) in Q3, reflecting cautious optimism among customers.
Net interest income and margin improved sequentially; efficiency ratio now below 30%.
Repurchased $6.3 million of shares in Q3 and an additional $11.2 million in October due to price softness.
Financial highlights
Q3 2025 EPS: $2.84; Net income: $35.9 million.
Net interest income before provision: $71.3 million, up $4.4 million from Q2.
Net interest margin expanded to 3.92% from 3.85% last quarter.
Noninterest expense was $21.5 million, down from $22.4 million in Q2.
Efficiency ratio improved to 28.7% from 31.8% last quarter.
Outlook and guidance
Expecting reasonable loan growth in Q4 2025, potentially matching Q3 levels, with optimism for further growth if rate cuts continue.
Margin expected to remain stable in Q4, benefiting from CDs rolling off at higher rates and being replaced at lower rates.
OREO gain in Q4 estimated at $3–4 million.
Noninterest expense expected to run $22–22.5 million per quarter, with gradual increases into 2026.
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