American Business Bank's Q4 profit rises on loan growth

American Business Bank

27/01/2026 14:13

Overview

U.S. bank's Q4 net income rose 19% yr/yr to $14.8 mln

Net interest margin expanded to 3.78% from 3.66% in prior qtr

Total loans increased $126 mln or 4% over prior qtr

Outlook

Company expects robust loan pipeline to drive growth in 2026

Company anticipates further core deposit growth in 2026

Result Drivers

LOAN GROWTH - Total loans increased by $126 mln or 4% over the prior quarter, driven by owner-occupied commercial real estate loans

NET INTEREST INCOME - Net interest income rose 22% yr/yr, aided by higher average loan balances and yields, and reduced deposit costs

DEPOSIT COSTS - Cost of average deposits declined to 1.02% from 1.14% in the prior quarter, contributing to margin expansion

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Net Income
$14.80 mln
Q4 Net Interest Income
$41.80 mln
Q4 Net Interest Margin
3.78%


Press Release: ID:nBw4tjQYa

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)