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Dec 31, 2025
Community Bank Q4 2025 Earnings Report
Community Bank reported strong Q4 2025 results with record noninterest revenues and consistent EPS growth driven by margin expansion and segment performance.
Key Takeaways
Community Bank delivered solid Q4 2025 results, posting strong net interest income and a third consecutive quarter of record operating EPS. Segment growth in banking and employee benefit services offset seasonal softness in insurance. Total revenues and operating income improved both sequentially and year-over-year.
Net income for Q4 2025 was $54.4 million, with EPS of $1.03.
Operating EPS reached a record $1.12, marking the third straight record quarter.
Total revenue rose to $215.45 million, with noninterest revenue hitting a record $82.03 million.
Net interest income grew 11.2% YoY to $133.4 million, driven by margin expansion and Santander branch acquisition.
Revenue by Segment
Forward Guidance
Management expects continued strong performance in 2026, supported by diversified revenue growth, acquisitions, and margin stability.
Positive Outlook
- Continued operating EPS growth expected into 2026.
- Santander acquisition provides margin expansion and deposit growth.
- ClearPoint acquisition will strengthen wealth management revenue.
- Strong liquidity position supports strategic flexibility.
- Disciplined risk management supports asset quality metrics.
Challenges Ahead
- Seasonal headwinds in insurance may persist in early quarters.
- Macroeconomic uncertainty around CRE remains a risk.
- Acquisition integration costs may pressure near-term margins.
- Slight sequential dip in EPS ($0.01) due to higher expenses.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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