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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.
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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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Frequently asked questions
Private Bancorp of America, Inc. operates as the holding company for CalPrivate Bank, offering a range of banking and financial services primarily to small and medium-sized businesses, professionals, and high-net-worth individuals. The company provides various deposit products, including checking, savings, and money market accounts, along with certificates of deposit. It also offers a variety of loan products such as commercial, real estate, and personal loans. In addition, Private Bancorp of America provides treasury management services, online banking, and other financial services tailored to meet the needs of its clientele. The company is headquartered in La Jolla, California, and its shares are listed on the OTCQX.
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