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Private Bancorp of America (PBAM) investor relations material
Private Bancorp of America Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Net income for Q2 2025 was $10.4M, up 33.5% year-over-year, with diluted EPS of $1.77, up from $1.35 in Q2 2024.
Return on average assets was 1.69% and return on average tangible common equity was 17.44% for Q2 2025.
Core deposits grew 18.8% year-over-year to $2.07B, while total deposits rose 8.1% year-over-year to $2.16B.
Net interest margin reached 4.94%, up from 4.48% in Q2 2024, driven by higher loan yields and lower funding costs.
Recognized as a top community bank nationally, with industry-leading service metrics and client satisfaction.
Financial highlights
Net interest income for Q2 2025 was $30.1M, up 22.1% year-over-year.
Noninterest income was $1.7M, with $523K net gain on SBA loan sales.
Noninterest expense increased to $15.7M, mainly due to higher compensation and professional services.
Efficiency ratio was 49.27% for Q2 2025, compared to 49.46% in Q2 2024.
Total assets were $2.45B as of June 30, 2025, up from $2.29B a year earlier.
Outlook and guidance
Management anticipates continued investment in people and technology to support growth and risk management.
New office opening in Santa Barbara County expected in Q3 2025.
Cautious approach to loan growth due to economic uncertainty and market pricing.
Explain the increase in criticized loans and specific reserves
Strategy for loan growth given market pricing?
Future deposit strategy after brokered deposit reduction?
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Next Private Bancorp of America earnings date
Q3 202521 Oct, 2025
Next Private Bancorp of America earnings date
Q3 202521 Oct, 2025
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Frequently asked questions
Private Bancorp of America, Inc. operates as the holding company for CalPrivate Bank, offering a range of banking and financial services primarily to small and medium-sized businesses, professionals, and high-net-worth individuals. The company provides various deposit products, including checking, savings, and money market accounts, along with certificates of deposit. It also offers a variety of loan products such as commercial, real estate, and personal loans. In addition, Private Bancorp of America provides treasury management services, online banking, and other financial services tailored to meet the needs of its clientele. The company is headquartered in La Jolla, California, and its shares are listed on the OTCQX.
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