河城银行2025年的净收入降至6 840万美元,原因是利率互换损失,尽管贷款和存款有所增加。 River City Bank's 2025 net income dropped to $68.4 million due to a loss on interest rate swaps, despite loan and deposit growth.

河城银行报告2025年净收入为6 840万美元,即每股4.69美元,低于2024年,第四季度净收入为2 100万美元,即每股1.45美元。 River City Bank reported 2025 net income of $68.4 million, or $4.69 per share, down from 2024, with fourth-quarter net income at $21.0 million, or $1.45 per share. 尽管贷款收益较低,但银行的贷款增长提高了利息收入,而存款增长降低了筹资成本。 The bank saw loan growth boost interest income despite lower loan yields, while deposit growth reduced funding costs. 与2024年950万美元的收益相比,2025年利率互换损失470万美元,结果受到影响。 A $4.7 million loss from interest rate swaps in 2025, compared to a $9.5 million gain in 2024, impacted results. 信贷损失准备金下降到200万美元,没有不良贷款。 The provision for credit losses fell to $2.0 million, with no non-performing loans. 股东股本上升到5.48亿美元,每股账面价值达到38.43美元,银行年底资产58亿美元,现金和投资12亿美元,借贷能力20亿美元。 Shareholders' equity rose to $548 million, book value per share reached $38.43, and the bank ended the year with $5.8 billion in assets, $1.2 billion in cash and investments, and $2.0 billion in borrowing capacity. 效率比率仍维持在31%,银行提高了季度现金红利。 The efficiency ratio remained at 31%, and the bank raised its quarterly cash dividend.