)
Overview
<ul>
<li>Community bank’s Q4 net income rose 96.1% yr/yr, driven by loan and deposit growth</li>
<li>Net interest income for 2025 rose 8.1% yr/yr, supported by higher loan balances</li>
<li>Company’s FY net interest margin expanded to 2.98%, aided by lower borrowing costs</li>
</ul>
Outlook
<ul>
<li>Company expects to sustain momentum with strong liquidity and net interest margin expansion</li>
</ul>
Result Drivers
<ul>
<li>LOAN PORTFOLIO GROWTH - Growth in loan portfolio attributed to increases in residential and commercial real estate loans</li>
<li>STRONG ASSET QUALITY - Asset quality remains strong with low levels of nonperforming assets</li>
</ul>
Key Details
Metric Beat/Mis Actual Consensu
s s
Estimate
FY Net $4.20
Income mln
FY Net $15.70
Interest mln
Income
FY Net 2.98%
Interest
Margin
Press Release: For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact . (This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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Jefferson Security Bank reported a 96.1% year-over-year increase in Q4 net income, driven by loan and deposit growth. Net interest income for 2025 rose 8.1%, supported by higher loan balances, while the FY net interest margin expanded to 2.98% due to lower borrowing costs. The bank anticipates continued momentum with strong liquidity and net interest margin expansion, attributed to growth in residential and commercial real estate loans and strong asset quality with low nonperforming assets.

Jefferson Security Bank's Q4 net income nearly doubles