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Truxton Q4 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q4 2025 earnings summary29 Jan, 2026

Executive summary

  • Revenue grew 18% year-over-year to $58 million in 2025, with fully diluted EPS up 18% to $7.60.

  • Net income increased 17% year-over-year to $21.5 million, with Q4 2025 net income at $5.48 million, or $1.90 per diluted share.

  • Loans expanded 21.4% year-over-year to $814 million, and total assets rose 41.1%.

  • Wealth management revenue increased 10.9% in Q4 2025 compared to Q4 2024, representing 41% of net revenue and 92% of non-interest income.

  • Total deposits rose 43% year-over-year to $1.24 billion at December 31, 2025.

Financial highlights

  • Net interest income rose 29.9% year-over-year to $34 million.

  • Non-interest income grew 10.3% to $24.4 million, with Q4 2025 non-interest income at $5.9 million.

  • Efficiency ratio improved to 47.68% in Q4 2025 and 50.0% for the year.

  • Net interest margin for Q4 2025 was 2.97%, up from 2.79% in Q4 2024, and 2.88% for the year.

  • Dividends paid totaled $3.00 per share in 2025, including a $1.00 special dividend.

Outlook and guidance

  • Management highlights continued focus on credit quality, prudent loan growth, and funding growth from a single banking location.

  • Emphasis on maintaining strong capital ratios, efficiency, and superior deposit operations and technology.

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