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Visual21 Nov 2025
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Private Bancorp of America (PBAM) investor relations material
Private Bancorp of America Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Net income for Q3 2025 was $9.7 million, up 2.6% year-over-year but down from $10.4 million in the prior quarter, reflecting a $1.3 million reversal of interest income and a $1.0 million increase in reserves for nonaccrual loans.
Diluted EPS was $1.65, compared to $1.77 in Q2 2025 and $1.63 in Q3 2024.
Core deposits grew 5.8% sequentially and 17.0% year-over-year, while brokered deposits declined 65.7% year-over-year.
Management remains focused on disciplined lending and balance sheet management amid slow loan growth and increased non-bank competition.
Financial highlights
Net interest income for Q3 2025 was $29.3 million, down 2.6% sequentially but up 14.1% year-over-year.
Net interest margin was 4.65%, down from 4.94% in Q2 2025 but up from 4.44% in Q3 2024.
Noninterest income rose to $2.2 million, driven by higher SBA loan sales and gains.
Noninterest expense increased to $15.9 million, mainly due to higher compensation and benefits from hiring.
Efficiency ratio was 50.49%, up from 49.27% in Q2 2025.
Total assets reached $2.58 billion, up $121.6 million from Q2 2025.
Outlook and guidance
Management expects strong deposit pipelines and continued focus on fundamentals, with optimism for Q4 2025.
Economic and geopolitical uncertainty is expected to temper business investment and loan demand.
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Next Private Bancorp of America earnings date
Q4 202516 Jan, 2026
Next Private Bancorp of America earnings date
Q4 202516 Jan, 2026
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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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