Preferred Bank experienced a challenging fourth quarter in 2025, with net income declining to $28.5 million from $35.1 million in the prior year's quarter. Diluted EPS also decreased to $1.90 from $2.34. Despite these declines, the bank saw positive trends in its balance sheet, with total loans increasing by $1.1 billion and total deposits growing by $1.0 billion year-over-year. The net interest margin compressed to 3.45% from 3.90% in Q4 2024, reflecting the current interest rate environment.

Preferred Bank achieved a record diluted EPS of $2.84 and net income of $35.9 million for Q3 2025, driven by increased net interest income and growth in both loans and deposits. The bank also significantly reduced nonperforming loans and improved its efficiency ratio.

Preferred Bank delivered stable earnings in Q2 2025, supported by strong net interest income and disciplined expense management, resulting in healthy profitability.