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Meridian Corporation
Meridian Corporation (MRBK) investor relations material
Meridian Corporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Net income for Q4 2025 was $7.2 million, or $0.61 per diluted share, up 8% from the prior quarter and 28% year-over-year.
Annual net income reached $21.8 million, a 33.6% increase over 2024.
Board declared a quarterly dividend of $0.14 per share, up 12% from the prior quarter.
Financial highlights
Pre-provision net revenue for Q4 2025 was $12.6 million, up 13% from Q4 2024.
Net interest income for Q4 2025 was $23.6 million, up $0.5 million sequentially.
Net interest margin held steady at 3.77%; cost of funds declined to 3.23% from 3.42% in the prior quarter.
Total assets grew to $2.56 billion, up from $2.54 billion in the prior quarter and $2.39 billion a year ago.
Return on average assets was 1.10% and return on average equity was 14.79% for Q4 2025.
Outlook and guidance
Management expects to leverage recent market disruptions and acquisitions for further growth in 2026.
Optimism for 2026 mortgage origination goals as housing market shows signs of rebounding.
Residential mortgage sale impact on loan yield?
SBA NPLs: rate sensitivity and future risk?
NIM stability: sustainability of deposit cost control?
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Next Meridian Corporation earnings date
Q1 202624 Apr, 2026
Meridian Corporation
Next Meridian Corporation earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Meridian Corporation operates as the holding company for Meridian Bank, providing a range of commercial and consumer banking services primarily in Pennsylvania, New Jersey, Delaware, Florida, and Maryland. The company's offerings include various deposit products such as checking, savings, and money market accounts. It also provides commercial and industrial loans, real estate and construction financing, and consumer lending, including home equity loans. Additionally, Meridian is involved in mortgage lending, wealth management, and financial planning services. The company serves small to mid-sized businesses and individual clients across these regions. Meridian Corporation is headquartered in Malvern, Pennsylvania, and its shares are listed on the NASDAQ.
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