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Bancorp 34, Inc. reports recurring developments as the bank holding company for Southwest Heritage Bank, a community banking franchise serving markets in Arizona and New Mexico. News releases center on operating performance, net interest income and margin trends, loan growth, deposit costs, tangible book value, earnings per share and bank regulatory capital ratios.
Company updates also cover capital actions such as cash dividends, governance changes, material agreements and the completed combination with CBOA Financial, Inc., the parent of Commerce Bank of Arizona. These announcements reflect a community-bank issuer focused on balance-sheet performance, capital levels and branch-market banking activity.
Bancorp 34 (OTC: BCTF), parent of Southwest Heritage Bank, reported 2Q26 net income of $1.9 million (diluted EPS $0.24), up from $1.7 million in 1Q26 but below $2.3 million in 2Q25. Core net income was $1.56 million. Core ROATA rose to 0.68% and core ROATE to 6.74%.
Net interest income increased to $8.37 million with reported net interest margin at 3.85% and core NIM up 8 bps sequentially and 22 bps year-over-year. Non-interest income more than doubled quarter-over-quarter to $484,000, while non-interest expense rose slightly to $6.50 million, partly from Scottsdale branch relocation costs.
Total loans edged up to $707.2 million on about $37 million in new commitments. Deposits fell by $29.4 million to $752.2 million, mainly due to seasonal tax payments. Asset quality improved, with non-performing assets dropping to 0.31% of assets, driven by returning a roughly $7 million relationship to accrual status.
Tangible book value per share increased to $12.88 from $12.56, and total capital rose to $100.2 million. The bank’s Tier 1 leverage ratio improved to 13.36%. According to Bancorp 34, regulators approved retirement of $23 million of subordinated debt effective July 15, 2026, expected to reduce annual interest cost by about $920,000.
Bancorp 34 (OTCID:BCTF), holding company of Southwest Heritage Bank, announced that President Chris Webster will retire from his executive roles effective July 31, 2026, while remaining on the boards.
Paul Tees, currently Chief Credit Officer, will become President on August 1, 2026, retaining his credit role.
Bancorp 34 (OTCID:BCTF) reported 1Q26 results with net income $1.65M and bank net income $1.9M. TBVPS rose to $12.56 and diluted EPS was $0.21. Core 1 ROATA improved to 0.65%, NIM to 3.86%, and cost of funds fell to 2.47%. Total deposits increased $21M while total loans declined ~$6M largely from exiting purchased participations. NPA rose to 1.07% due to a $1.3M downgrade. Tier 1 leverage ratio increased to 13.16%.
Bancorp 34 (OTCID:BCTF) reported 4Q25 results with net income $1.49M, bank net income $1.8M and TBVPS $12.33. Loan growth rose 3.2% linked-quarter (12.8% annualized) and total loan commitments hit a post-merger quarterly record of $45M ($135M for 2025).
Core ROAA improved to 0.62% and NIM expanded to 3.65% as cost of funds fell to 2.54%; Tier 1 leverage rose to 12.89%.
Bancorp 34 (OTCQB:BCTF) reported 3Q25 results on November 3, 2025: Net income $1.7M ($0.24 diluted EPS), bank net income $2.0M, and TBVPS $12.07. Total loans rose to $690.5M (+$14.1M, +2.1% QoQ) with >$31M in new commitments booked this quarter and ~$96M YTD.
Deposits declined ~$34.9M (retail CDs down ~$23.3M), NPA rose to 1.00% after one $7.8M relationship was moved to non-accrual, and ACL was reduced by $0.7M. Core metrics: consolidated NIM 3.47%, core ROATA 0.59%, Core Overhead Ratio 2.54%, and Tier 1 Leverage 12.26%.
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