Loading...
•
Dec 31, 2025
Northrim BanCorp Q4 2025 Earnings Report
Northrim BanCorp reported Q4 2025 results with net income of $12.4 million and earnings per share of $0.55.
Key Takeaways
Northrim BanCorp's Q4 2025 performance reflected stability in net income and modest EPS, driven by strong asset quality and expense control despite a decrease in total revenue.
Net income for Q4 2025 was $12.4 million, up from $11.9 million in the prior quarter.
Earnings per diluted share were $0.55, compared to $0.52 in Q3 2025.
Total revenue declined to $49.2 million from $51.6 million in Q3 2025.
The efficiency ratio improved to 69.15% from 71.17% in Q3 2025.
Revenue by Geographic Location
Forward Guidance
Management expects continued stability in earnings supported by strong credit quality and disciplined expense management, though pressure on net interest margin may persist.
Positive Outlook
- Stable credit quality across the loan portfolio.
- Improved efficiency ratio quarter-over-quarter.
- Consistent dividend payments reflecting financial health.
- Strong Tier 1 capital and total capital ratios.
- Increase in quarterly net income and EPS.
Challenges Ahead
- Decline in total revenue from the prior quarter.
- Net interest margin remained under pressure.
- Loan production slowed compared to prior periods.
- Noninterest income declined sequentially.
- Challenging interest rate environment may impact future margins.
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...