Overview
- Independent Bank posted fourth-quarter 2025 net income of $18.6 million, or $0.89 per diluted share, and full-year net income of $68.5 million, or $3.27 per diluted share.
- For 2025 at Independent Bank, net interest income increased by $1 million, or 2.2%, with a net interest margin of 3.62%, net loans up $78 million, core deposits up $57.5 million, and tangible common equity at 8.65%.
- Independent Bank highlighted shareholder returns with a $0.26 per share dividend paid on November 14, 2025.
- Commercial National Financial Corporation reported fourth-quarter 2025 net income of $1.784 million, or $0.45 per share, with a 12.64% return on equity, a 6.5% rise in net interest income, and a 4.04% quarterly net interest margin.
- CEFC’s balance sheet contracted with total assets at $554 million, deposits down $27 million, loans down $24 million or 6.1%, replaced brokered deposits with FHLB borrowings, and maintained strong credit quality with a 0.17% non-performing assets ratio and a well capitalized regulatory status.