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1st Source
1st Source (SRCE) investor relations material
1st Source Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Achieved record net income of $158.28 million for 2025, up 19.34% year-over-year; Q4 net income was $41.14 million, up 30.87% from Q4 2024 but down 2.73% sequentially.
Diluted EPS reached $6.41 for 2025, up 19.59% from 2024; Q4 diluted EPS was $1.67, up 31.50% year-over-year.
Marked the fifth consecutive year of record net income and the 38th consecutive year of dividend growth.
Launched a new Online & Mobile Banking for Business platform in Q4 to support small business clients.
Financial highlights
Tax-equivalent net interest income for 2025 was $348.79 million, up 15.72% year-over-year; Q4 was $93.45 million, up 17.53% from Q4 2024.
Noninterest income for 2025 was $85.60 million, down 0.82% year-over-year, mainly due to $8.68 million in realized losses from securities repositioning.
Noninterest expense for 2025 was $216.84 million, up 6.50% year-over-year, driven by higher salaries, benefits, and technology costs.
Net charge-offs for 2025 were $4.21 million (0.06% of average loans and leases), down from $5.68 million (0.09%) in 2024.
Outlook and guidance
Management remains focused on maintaining strong liquidity and a conservative capital structure.
Forward-looking statements caution about risks from economic, regulatory, and industry changes.
AFS repositioning strategy breakeven update
Q4 NPA increase: auto rental client resolution
Loan portfolio mix changes and drivers
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Next 1st Source earnings date
Q1 202624 Apr, 2026
1st Source
Next 1st Source earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
1st Source Corporation serves as a bank holding company for 1st Source Bank. This institution delivers a comprehensive range of financial products and services tailored to meet the needs of both individual and business clients. Among the array of consumer banking offerings are checking and savings accounts, certificates of deposit, individual retirement accounts, online and mobile banking solutions, consumer loans, real estate mortgage loans, home equity lines of credit, and financial planning services, along with debit and credit cards. For its commercial clientele, 1st Source provides loans for various purposes including financing for industrial and commercial properties, equipment, inventories, accounts receivables, renewable energy, and acquisition financing, in addition to commercial leasing, treasury management, and retirement planning services. The company also extends trust, investment, agency, and custodial services, encompassing administration of estates and personal trusts as well as management of investment accounts for individuals, employee benefit plans, and charitable foundations. 1st Source Corporation is headquartered in South Bend, Indiana, and its shares are listed on the Nasdaq.
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