Trøndelag Sparebank (TRSB) Q4 2025 earnings summary

Executive summary

• Total assets surpassed NOK 10 billion, reflecting solid growth and strengthened results following the merger of Åfjord Sparebank and Hemne Sparebank, and listing on Euronext Oslo Børs in December 2024.

• Expanded service offering includes banking, real estate, accounting, insurance, and leasing through strategic acquisitions and partnerships.

• BBB+ rating from Nordic Credit Rating.

Financial highlights

• Pre-tax profit improved by NOK 9.0 million year-over-year, reaching NOK 91.4 million for 2025.

• Result after tax increased to NOK 74.1 million (NOK 67.0 million in 2024).

• Net interest income stable at NOK 208.0 million (NOK 207.6 million in 2024), with a net interest margin of 2.12%.

• Net commission and subsidiary income totaled NOK 134.1 million, up from NOK 123.2 million.

• Total assets reached NOK 11.6 billion at year-end 2025.

Outlook and guidance

• Focus on sustainable and controlled growth, especially in the business market, with a 2026 growth target of 5%.

• Positive outlook after the merger and capital requirement relief, with prioritization of synergies and efficiency between group companies.

• Continued investment in risk management, compliance, and digitalization to meet regulatory demands.