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Dec 31, 2025
Banner Q4 2025 Earnings Report
Banner reported solid financial performance in Q4 2025 with stable credit metrics and strong net income.
Key Takeaways
Banner Corporation delivered a strong Q4 2025, supported by improved net interest margin, a resilient deposit base, and effective cost management. Earnings remained healthy, although slightly down from the previous quarter.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Banner expects continued stability in credit quality, supported by a strong deposit base and prudent risk management, though potential market and rate pressures may weigh on margins.
Positive Outlook
- Core deposits represented 89% of total deposits
- Credit metrics remain stable with low charge-offs
- Improved net interest margin versus prior year
- Loan growth supported by strong production
- Capital levels remain well above regulatory minimums
Challenges Ahead
- Non-interest income declined from prior quarter
- Slight decrease in non-interest-bearing deposits
- Operating income down from Q3
- Pressure on loan yields due to Fed rate cuts
- Efficiency ratio worsened slightly QoQ
Historical Earnings Impact
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Avg. Return Before/After Earnings
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