ES Bancshares' Q4 net interest margin decreases due to asset mix change

ES Bancshares

21/01/2026 21:42

Overview

Bank holding company's Q4 net income rose slightly from the previous quarter

Company's net interest margin decreased slightly to 2.77% in Q4

Non-interest income increased due to higher service charges and fees

Outlook

Company did not provide specific guidance for future quarters or full year 2026

Result Drivers

NON-INTEREST INCOME - Higher service charges and fees on loans contributed to increased non-interest income in Q4 2025

ASSET MIX CHANGE - Net interest margin decreased due to a change in the mix of interest-bearing assets, despite lower deposit costs

DEPOSIT COSTS - Cost of interest-bearing deposits decreased by 10 basis points, aiding liquidity

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.10
Q4 Net Income
$660,000
Q4 Net Interest Income
$4.20 mln
Q4 Net Interest Margin
2.77%


Press Release: ID:nGNX71ptJ7

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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.)