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Pacific Premier Bancorp
Pacific Premier Bancorp (PPBI) investor relations material
Pacific Premier Bancorp has been acquired
Pacific Premier Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $32.1 million ($0.33 per diluted share), down from $36.0 million in Q1 2025 and $41.9 million in Q2 2024, impacted by $6.7 million in merger expenses and $1.3 million loss on debt extinguishment.
For the six months ended June 30, 2025, net income was $68.1 million ($0.70 per diluted share), compared to $88.9 million ($0.92 per diluted share) for the same period in 2024.
Total assets reached $17.8 billion, with loans held for investment at $11.9 billion and deposits at $14.5 billion.
Strong capital and liquidity positions, with tangible common equity ratio at 12.14% and total available liquidity of $10.0 billion.
The company is in the process of merging with Columbia Banking System, with the transaction expected to close as soon as September 1, 2025.
Financial highlights
Net interest margin increased 6 bps to 3.12% in Q2 2025; net interest income was $126.8 million, up sequentially but down year-over-year.
Noninterest income for Q2 2025 was $17.6 million, down $3.9 million from Q1 2025, impacted by a $1.3 million loss on debt extinguishment.
Noninterest expense for Q2 2025 was $104.4 million, up $4.1 million from Q1 2025, primarily due to $6.7 million in merger-related expenses.
Efficiency ratio improved to 65.3% from 67.5% in Q1 2025.
Tangible book value per share rose to $21.10 at June 30, 2025.
Outlook and guidance
Management anticipates closing the Columbia merger by September 1, 2025, with integration planning ahead of schedule.
Focus remains on prudent credit risk management, balance sheet flexibility, and maintaining strong capital and liquidity amid economic uncertainties.
How much did integration planning efforts progress?
What drove the increase in net interest margin?
What is the reason for the ACL decrease?
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Pacific Premier Bancorp
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Frequently asked questions
Pacific Premier Bancorp Inc is a bank holding company operating through its subsidiary, Pacific Premier Bank. The company provides a range of financial services including commercial and consumer banking, commercial real estate lending, treasury management, and small business loans. Its branch network and digital platforms serve businesses and individuals throughout the western United States. Pacific Premier Bancorp Inc is headquartered in Irvine, California, and its shares are listed on the NASDAQ.
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