Dafinchi AI

Equity Bancshares, Inc.

EQBK

Financial Services

1mo

Financial Performance Summary

Equity Bancshares reported net income of $15.3 million or 86¢ per diluted share for Q2 2025, adjusted earnings were $16.6 million or 94¢ per diluted share.
Loan balances increased by $100 million year-to-date, deposits excluding seasonal public funds remained stable.
Net interest income was $49.8 million, up $1.8 million linked quarter, with a margin improvement to 4.17%.
Noninterest expenses were $40 million, adjusted to $38.3 million excluding M&A and extinguishment charges, showing modest decline.
Noninterest income increased by $500,000 excluding prior quarter BOLI benefits, driven by customer service charges.
Provision for credit loss was minimal at $19,000, with ACL coverage at 1.26%.
Tangible common equity (TCE) ratio improved to 10.63%, up 41% year-over-year, and tangible book value per share increased 25% to $32.17.

QCR Holdings, Inc.

QCRH

Financial Services

3w

Significant Loan Growth Driven by LIHTC and Traditional Banking

Quarterly loan growth reached 8% annualized, driven by strong new loan production in LIHTC and traditional banking segments.
Growth impacted by runoff of M2 equipment finance loans, with a net effect of approximately 8%-10% gross loan growth for the second half of the year.
Management remains optimistic about continued solid loan growth, with a focus on expanding in CRE and C&I sectors.

Colony Bankcorp, Inc.

CBAN

Financial Services

3w

Strategic Merger with TC Bancshares Enhances Market Presence in Southeast

Colony Bank announced a definitive merger agreement with TC Bancshares, operating TC Federal Bank in South Georgia and North Florida.
The merger is expected to be immediately accretive to earnings per share, excluding onetime costs.
The combined entity will have approximately $3.8 billion in assets, $3.1 billion in deposits, and $2.4 billion in loans.
The transaction will close in Q4 2025, pending approvals, with core system conversion early next year.
Greg Eiford, CEO of TC Federal, will join as EVP and Chief Community Banking Officer, emphasizing cultural alignment and community focus.
The merger aims to expand in key markets like Thomasville, Georgia, and Jacksonville, Florida, and enhance earnings power and operational efficiency.

Bread Financial Holdings, Inc.

BFH

Financial Services

3w

Progress in Credit Metrics and Updated Full-Year Loss Guidance

Credit sales grew 4% YoY, driven by nondiscretionary purchases and lower gas prices positively influencing retail spending.
Net loss rate improved to 7.9%, down 70 basis points YoY, with an updated full-year outlook of 7.8%-7.9%.
Credit metrics are benefiting from credit tightening, product mix shifts, and macroeconomic stability, with a focus on prudent risk management.