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Dec 31, 2025
Mid Penn Bancorp Q4 2025 Earnings Report
Mid Penn Bancorp reported an increase in net income and earnings per share for the fourth quarter of 2025, driven by higher net interest income and improved asset quality.
Key Takeaways
Mid Penn Bancorp, Inc. announced strong fourth quarter and full year 2025 results, with net income available to common shareholders reaching $19.4 million, or $0.84 per basic common share. This performance was supported by organic loan growth, an expanded net interest margin, and disciplined operating expense management.
Net income available to common shareholders for Q4 2025 increased by 47.0% year-over-year to $19.4 million.
The net interest margin expanded to 3.79% in Q4 2025, a 58 basis point increase compared to Q4 2024.
Loan balances grew by $41.7 million, or 3.4% annualized, during Q4 2025, reaching $4.9 billion.
The core efficiency ratio improved to 55.26% in Q4 2025, reflecting higher net interest income and lower noninterest expense.
Revenue by Segment
Forward Guidance
Mid Penn Bancorp anticipates continued profitability and operational efficiency, building on the strong performance of 2025. The company expects to maintain its disciplined approach to expense management and focus on organic growth.
Positive Outlook
- Continued improvement in deposit cost of funds and loan yields is expected to further expand net interest margin.
- Organic loan growth is anticipated to continue, contributing to overall asset expansion.
- Disciplined operating expense management will likely lead to further improvements in the core efficiency ratio.
- Strong asset quality metrics, including reduced expected credit losses, are expected to be maintained.
- Strategic acquisitions, such as Cumberland Advisors, are expected to diversify revenue streams and enhance market presence.
Challenges Ahead
- Potential for increased competition in the financial services industry could impact loan and deposit growth.
- Changes in interest rates and spreads on earning assets could affect net interest income.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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