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Private Bancorp of America
Private Bancorp of America (PBAM) investor relations material
Private Bancorp of America Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary16 Jan, 2026
Executive summary
Net income for Q4 2025 was $10.0 million, up from $9.7 million in Q3 2025 but down from $10.7 million in Q4 2024.
FY 2025 net income reached $40.7 million, a 13.5% increase year-over-year.
Diluted EPS for Q4 2025 was $1.71, and $6.92 for FY 2025, up 12.5% from FY 2024.
Pretax pre-provision net revenue for FY 2025 was $63.8 million, up 19.1% year-over-year.
Recognized for top industry performance, including #1 ROA and ROE among banks under $5B in assets.
Financial highlights
Net interest income for Q4 2025 was $31.1 million, up 5.9% sequentially and 13.3% year-over-year.
Net interest margin for Q4 2025 was 4.84%, up from 4.65% in Q3 2025 and 4.67% in Q4 2024.
Total deposits at year-end were $2.22 billion, up 4.2% year-over-year, with core deposits up 13.9%.
Loans held-for-investment totaled $2.13 billion, up 2.1% sequentially and 2.0% year-over-year.
Total cost of deposits for Q4 2025 was 1.80%, down from 2.02% in Q3 2025 and 2.36% in Q4 2024.
Efficiency ratio for Q4 2025 was 48.46%, improved from 50.49% in Q3 2025.
Outlook and guidance
Management expects continued growth, supported by investments in technology, talent, and expansion into new markets.
Healthy loan pipelines and focus on reducing criticized and non-performing assets are priorities for 2026.
Credit quality outlook and mitigation plans?
Deposit growth strategy and cost management?
Impact of strategic investments on future growth?
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Latest events from Private Bancorp of America
- Q3 2025 delivered higher net income and core deposits, but asset quality weakened.PBAM
Q3 202521 Nov 2025 - Q2 2025 delivered 33.5% net income growth, robust margins, and top-tier returns.PBAMQ2 20254 Aug 2025
- Strong core deposit growth and top-tier profitability drove robust Q1 2025 results.PBAMQ1 20254 Aug 2025
- Record net income, strong deposit growth, and industry-leading returns in Q3 2024.PBAMQ3 202413 Jun 2025
- Q2 2024 delivered solid core growth and profitability, excluding last year's one-time gains.PBAMQ2 202413 Jun 2025
- Record Q4 net income, robust loan/deposit growth, and industry-leading profitability metrics.PBAMQ4 20245 Jun 2025
Next Private Bancorp of America earnings date
Q1 202620 Apr, 2026
Private Bancorp of America
Next Private Bancorp of America earnings date
Q1 202620 Apr, 2026
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