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Pacific Valley Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $950K, down 16.5% year-over-year but up 2.9% sequentially, mainly due to higher personnel expenses and increased Fed Funds income.
Loans and deposits saw significant growth, with loans up $19M and deposits up $25M in Q3, driven by core deposit increases and expansion efforts.
Infrastructure investments, including a new loan production office and upcoming branch, are expected to support future growth despite near-term expense impacts.
Financial highlights
Net income for the nine months ended September 30, 2025, was $2.8M, down 16% year-over-year due to higher personnel expenses and lower Fed Funds income.
Net interest income for Q3 2025 was $5.0M, up from $4.4M in Q3 2024; net interest margin for Q3 2025 was 3.53%, up from 3.29% a year ago.
Non-interest expense for Q3 2025 rose 28.4% year-over-year, primarily from increased personnel costs.
Return on average assets for Q3 2025 was 0.65%, down from 0.83% in Q3 2024.
Basic EPS for Q3 2025 was $0.19, compared to $0.23 in Q3 2024.
Outlook and guidance
Management anticipates long-term profitability from recent investments in personnel and infrastructure, despite short-term reductions in net income.
Market changes from competitor bank acquisitions are seen as growth opportunities, with increased marketing and commercial lending focus.
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Next Pacific Valley Bank earnings date
Q4 202527 Jan, 2026
Next Pacific Valley Bank earnings date
Q4 202527 Jan, 2026
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Frequently asked questions
Pacific Valley Bank is a U.S.-based community bank offering a range of financial products and services tailored to individuals, businesses, and agricultural clients. The bank’s services include personal and business checking and savings accounts, commercial loans, agricultural financing, and online banking solutions. With a focus on supporting local communities, Pacific Valley Bank serves clients across California’s Central Coast, providing specialized banking solutions for small businesses and agricultural enterprises in the region. The bank is headquartered in Salinas, California, and its shares are listed on the OTC market.
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