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Home Bancorp, Inc.

HBCP

2025 Q2

Financial Services

3mo

Financial Performance Summary

Classified and nonperforming loans increased due to 4 downgraded loans totaling $18 million, but no expected losses due to conservative underwriting and collateral.
Deposits increased at an 11% annual rate, with noninterest-bearing deposits up $41.9 million, comprising 27% of total deposits.
Home Bancorp reported Q2 2025 net income of $11.3 million or $1.45 per share, up $0.08 from Q1 and $0.43 from a year ago.
Loans grew by $17.3 million (3%) in Q2, impacted by slower commercial construction activity and paydowns of about $20 million.
Net charge-offs were low at $335,000 for the quarter, or 3 basis points year-to-date.
Net interest margin (NIM) expanded for the fifth consecutive quarter to 4.04%, driven by an 8 basis point increase in earning asset yields and stable deposit costs.
Noninterest income was $3.7 million, in line with expectations, while noninterest expenses increased to $22.4 million due to compensation and a $987,000 SBA receivables write-down.
Share repurchases totaled 147,000 shares at an average price of $43.72, with 391,000 shares remaining on the buyback plan.

Green Dot Corporation

GDOT

2025 Q2

Financial Services

2mo

Financial Performance Summary

B2B segment revenue grew nearly 40%, driven by a significant BaaS partner and growth in the BaaS portfolio.
Consumer Services segment revenue declined but active account declines moderated, with retail channel showing flat active accounts and slight increases in key metrics.
Corporate segment revenues increased due to higher interest income from balance sheet optimization and bond repositioning.
Green Dot reported a strong Q2 2025 with adjusted revenue up 24% year-over-year and adjusted EBITDA up 34%, both exceeding expectations.
Money Movement segment saw tax business outperform expectations with profits up over 10%, while money processing revenue declined modestly due to lower transaction volumes but improved revenue per transaction.
Non-GAAP EPS reached $0.40 per share, a 60% increase year-over-year.
Overall segment margins were flat year-over-year, with margin improvements in direct channel offsetting retail declines.
Rapid Employer Services revenue declined due to challenges in the staffing industry, but margin expanded by 45 basis points due to improved profitability.

Univest Financial Corporation

UVSP

2025 Q2

Financial Services

3mo

Financial Performance Summary

Core NIM expanded by 12 basis points to 3.24% excluding excess liquidity impact.
Deposits decreased $75.8 million during the quarter mainly due to seasonal decline of public funds deposits and broker deposits, but excluding these, deposits increased $77.5 million.
Loan outstandings contracted by $31.9 million during the quarter despite solid loan production in the first half of the year.
Net interest margin (NIM) was 3.2%, up 11 basis points from the prior quarter, driven by increased asset yields and reduced cost of funds.
Noninterest expense increased $1.6 million or 3.3% compared to Q2 2024, mainly due to compensation costs including merit increases, medical costs, and variable incentives.
Noninterest income increased by $521,000 or 2.5% compared to Q2 2024, driven by investment management fees, SBA loan sales gains, and treasury management fees.
Recorded $7.8 million of net charge-offs predominantly related to one credit, with the remaining balance placed on nonaccrual and supported by real estate collateral appraisal.
Univest Financial Corporation reported net income of $20 million during the second quarter or $0.69 per share.
Year-to-date commercial loan production through June 30 was $507 million compared to $402 million in the prior year, but loan outstandings contracted by $25.4 million compared to growth of $117.6 million in the prior year.

Hope Bancorp, Inc.

HOPE

2025 Q2

Financial Services

3mo

Net Income Loss

$27.9 million loss

As a result of the onetime loss incurred from selling lower yielding legacy securities and from merger-related items, together with a onetime impact from a change in California's state tax apportionment law, we reported a net loss of $27.9 million for the second quarter.

NBT Bancorp Inc.

NBTB

2025 Q2

Financial Services

2mo

Net Interest Margin Increase

3.59%

Our net interest margin in the second quarter increased 15 basis points to 3.59% from the prior quarter, primarily driven by the increase in earning asset yields and acquisition-related net accretion.

Palomar Holdings, Inc.

PLMR

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted combined ratio was 73.1% for Q2 2025, consistent with the prior year period.
Annualized adjusted return on equity was 23.7%, slightly down from 24.7% in Q2 2024.
Gross written premiums grew 29% year-over-year to $496.3 million, or 45% growth excluding runoff business.
Loss ratio was 25.7%, driven primarily by non-catastrophe attritional losses and favorable reserve development.
Net investment income increased 68% year-over-year to $13.4 million with a yield of 4.7%.
Second quarter 2025 adjusted net income increased 52% year-over-year to $48.5 million or $1.76 per diluted share.

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