AMRK

2025 Q4

Financial Services

1mo

Q4 Gross Profit Increase

90%

$81.7 million, up 90%

Q4 gross profit increased 90% to $81.7 million or 3.25% of revenue, primarily due to acquisitions of SGB, SGI, Pinehurst, and AMS.

South Plains Financial, Inc.

SPFI

2025 Q2

Financial Services

3mo

Diluted EPS Beat

+19.4%

$0.86

In the second quarter, diluted earnings per share were $0.86 compared to $0.72 from the linked quarter. As Cory discussed, there was a $1.6 million recovery of interest, fees and legal expenses net of tax related to the full repayment of a loan that had previously been on nonaccrual.

Mercantile Bank Corporation

MBWM

2025 Q3

Financial Services

Stable Net Interest Margin Despite SOFR Drop

Net interest margin declined only 2 basis points to 3.5% despite a 96 basis point drop in SOFR over five quarters

The margin stability refutes the notion of an asset-sensitive balance sheet and reflects effective match funding strategies.

Trustmark Corporation

TRMK

2025 Q2

Financial Services

3mo

Financial Performance Summary

Capital ratios increased: CET1 ratio up 7 basis points to 11.7%, total risk-based capital ratio up 5 basis points to 14.15%.
Credit quality improved with nonperforming assets declining 5.3% and net charge-offs at $4.1 million or 12 basis points of average loans.
Deposit base grew $35 million during the quarter with personal and commercial deposits totaling $13 billion, up 0.8% from prior quarter.
Loans held for investment increased $223 million or 1.7% linked quarter and $374.8 million or 2.9% year-to-date.
Net income was $55.8 million in Q2, with fully diluted EPS of $0.92, up 4.5% from prior quarter.
Net interest income expanded 4.3% to $161.4 million, with net interest margin increasing 6 basis points to 3.81%.
Noninterest expense increased 0.9% linked quarter, with lower salaries and equipment expense offset by higher professional fees.
Noninterest income was $39.9 million, unchanged linked quarter excluding gains/losses on bank facility sales.
Provision for credit losses was $4.7 million; allowance for credit losses was 1.25% of loans held for investment.
Quarterly cash dividend declared at $0.24 per share payable September 15.
Repurchased $11 million of common stock in the quarter, $26 million year-to-date, with $74 million remaining in repurchase authority.
Return on average assets was 1.21% and return on average tangible equity was 13.13%.
Tangible book value per share was $28.74, up 3.5% linked quarter and 13.9% year-over-year.

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Q4 Gross Profit Increase

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Diluted EPS Beat

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Financial Performance Summary