Coeur d'Alene Bancorp Announces Its Third Quarter 2025 Results
Coeur d'Alene Bancorp (OTC Pink: CDAB) reported Q3 2025 net income of $402,111 ($0.21/share) versus $253,324 ($0.13/share) in Q3 2024, and nine‑month net income of $1,024,764 ($0.54/share), roughly flat vs. year‑ago. Total assets were $237.3M (down 1.1% YoY); gross loans were $130.1M (up 3.8% YoY); total deposits were $204.0M (up 0.3% YoY).
Key operating metrics: net interest margin YTD 3.99% vs 3.20% prior year; net book value per share $13.44; community bank leverage ratio 11.28%; Bauer Financial five‑star rating retained. Two branch openings in Washington in 2025 were noted.
Coeur d'Alene Bancorp (OTC Pink: CDAB) ha riportato l'utile netto del terzo trimestre 2025 di $402,111 ($0,21/condivisione) rispetto a $253,324 ($0,13/condivisione) nel terzo trimestre 2024, e l'utile netto dei primi nove mesi di $1.024.764 ($0,54/condivisione), circa invariato rispetto all'anno precedente. Attivi totali pari a $237,3M (in diminuzione dell'1,1% YoY); prestiti lordi $130,1M (in aumento del 3,8% YoY); depositi totali $204,0M (in aumento dello 0,3% YoY).
Metriche operative chiave: margine di interesse netto YTD 3,99% vs 3,20% prior year; valore contabile netto per azione per azione $13,44; rapporto di leva del banco comunitario 11,28%; valutazione Bauer Financial a cinque stelle mantenuta. Due aperture di filiali in Washington nel 2025 sono state segnalate.
Coeur d'Alene Bancorp (OTC Pink: CDAB) reportó ingresos netos del tercer trimestre de 2025 de $402,111 ($0,21/acción) frente a $253,324 ($0,13/acción) en el T3 de 2024, y los ingresos netos de los nueve meses de $1.024.764 ($0,54/acción), prácticamente estables frente al año anterior. Los activos totales fueron $237.3M (bajo 1,1% interanual); préstamos brutos $130.1M (subieron 3,8% interanual); depósitos totales $204.0M (subieron 0,3% interanual).
Métricas operativas clave: margen de interés neto YTD 3,99% frente al 3,20% del año anterior; valor contable neto por acción $13,44; índice de apalancamiento de banco comunitario 11,28%; calificación Bauer Financial de cinco estrellas mantenida. Se señalaron dos aperturas de sucursales en Washington en 2025.
Coeur d'Alene Bancorp (OTC Pink: CDAB) 2025년 3분기 순이익은 $402,111 (주당 $0,21)으로, 2024년 3분기의 $253,324 (주당 $0,13) 대비 증가했고, 9개월 순이익은 $1,024,764 (주당 $0,54)로 거의 전년 대비 변동이 없었습니다. 총자산은 $237.3M로 전년 대비 1.1% 감소; 총대출은 $130.1M (전년 대비 3.8% 증가); 총예금은 $204.0M (전년 대비 0.3% 증가)였습니다.
주요 운용 지표: 순이자마진 YTD 3.99% 대 전년 3.20%; 주당 순장부가치 주당 순장부가치 $13.44; 커뮤니티 뱅크 레버리지 비율 11.28%; Bauer Financial 5성 등급 유지. 2025년에 워싱턴주에서 두 지점 개점이 언급되었습니다.
Coeur d'Alene Bancorp (OTC Pink: CDAB) a affiché un résultat net du troisième trimestre 2025 de $402,111 ($0,21/action) contre $253,324 ($0,13/action) au T3 2024, et un résultat net des neuf premiers mois de $1.024.764 ($0,54/action), soit à peu près stable par rapport à l'année précédente. Les actifs totaux s'élevaient à $237,3M (en baisse de 1,1% sur un an); les prêts bruts étaient de $130,1M (en hausse de 3,8% sur un an); les dépôts totaux étaient de $204,0M (en hausse de 0,3% sur un an).
Indicateurs opérationnels clés : marge d'intérêt nette cumulée à ce jour 3,99% contre 3,20% l'année dernière; valeur comptable nette par action (BV par action) $13,44; ratio de levier bancaire communautaire de 11,28%; note Bauer Financial à cinq étoiles maintenue. Deux ouvertures de succursales en Washington en 2025 ont été notées.
Coeur d'Alene Bancorp (OTC Pink: CDAB) meldete den Nettogewinn des dritten Quartals 2025 von $402.111 ($0,21/Aktie) gegenüber $253.324 ($0,13/Aktie) im Q3 2024, und den Nettogewinn der ersten neun Monate von $1.024.764 ($0,54/Aktie), fast unverändert gegenüber dem Vorjahr. Die Gesamtaktiva betrugen $237,3M (um 1,1% YoY gesunken); Brutto-Darlehen $130,1M (um 3,8% YoY gestiegen); Gesamteinlagen $204,0M (um 0,3% YoY gestiegen).
Wichtige operative Kennzahlen: Nettozinsmarge YTD 3,99% gegenüber 3,20% Vorjahr; Netto-Buchwert pro Aktie $13,44; Community-Bank-Leverage-Verhältnis 11,28%; Bauer Financial Fünf-Sterne-Bewertung beibehalten. Zwei Filialeröffnungen in Washington im Jahr 2025 wurden bekanntgegeben.
Coeur d'Alene Bancorp (OTC Pink: CDAB) أظهرت ربحية صافية للربع الثالث من 2025 قدرها $402,111 ($0,21/سهم) مقارنة بـ $253,324 ($0,13/سهم) في الربع الثالث من 2024، وربح صافي لخمسة أشهر من $1.024.764 ($0,54/سهم)، تقريبا ثابت مقارنة بالعام السابق. الأصول الإجمالية كانت $237,3M (بانخفاض 1.1% على أساس سنوي)؛ القروض الإجمالية $130,1M (ارتفاع 3.8% على أساس سنوي)؛ الإجمال deposits الإجماليية $204,0M (ارتفاع 0.3% على أساس سنوي).
المقاييس التشغيلية الرئيسية: هامش الفائدة الصافيYTD 3.99% مقابل 3.20% في السنة السابقة؛ القيمة الدفترية الصافية للسهم $13.44؛ نسبة رفع بنك المجتمع 11.28%؛ الحفاظ على تصنيف Bauer Financial بخمس نجوم. ذكرت افتتاح فرعين في واشنطن في 2025.
Coeur d'Alene Bancorp (OTC Pink: CDAB) 报告2025年第三季度净利润为 $402,111（每股 $0.21），与2024年第三季度的 $253,324（每股 $0.13）相比，九个月净利润为 $1,024,764（每股 $0.54），与去年基本持平。总资产为 $237.3M（同比下降1.1%）；毛贷款为 $130.1M（同比增长3.8%）；总存款为 $204.0M（同比增长0.3%）。
核心经营指标：年初至今的 净利息收益率（net interest margin）为 3.99%，比去年3.20% 高；每股净账面价值 $13.44；社区银行杠杆率 11.28%； Bauer Financial 评分维持五星。2025 年在华盛顿州有两家分行开设。
- Q3 net income up 58.7% YoY
- YTD net interest margin 3.99% vs 3.20% prior year
- Net book value per share $13.44 at Sep 30, 2025
- Community bank leverage ratio 11.28% at Sep 30, 2025
- Efficiency ratio (YTD) 76.59% indicating higher operating cost
- Salaries and benefits increased to $3,139,333 for nine months 2025
- Occupancy expense rose to $714,784 for nine months 2025
- Provision for loan losses rose to $319,500 for nine months 2025
Coeur d'Alene Bancorp (OTC Pink:CDAB), the parent company of bankcda, is pleased to announce its results for the third quarter 2025.
COEUR D'ALENE, ID, ID / ACCESS Newswire / October 13, 2025 / Coeur d'Alene Bancorp, today reported net income of
As of September 30, 2025, total consolidated assets were
"We are pleased with our performance for the first nine months with steady deposit growth and loan demand along with improving profitability, net income in Q3 and year to date exceeded same quarter prior year for the nine months ended 2024. Our net interest margin continues to expand, helping offset increased overhead related to our recent expansion into Washington state. During the quarter we opened our second branch in Washington in Richland, which is our second branch opening in 2025. Deposits grew
Financial Highlights:
Diluted earnings per share were
$0.53 for nine months ended 2025, versus$0.53 per share for nine months ended 2024.Net book value per share ended the quarter at
$13.44 compared to$12.37 one year ago.Annualized return on average asset (ROAA) was
0.59% and annualized return on average equity (ROAE) was5.67% for nine months ended 2025, compared to0.57% and6.37% for nine months ended 2024, respectively.Total assets ended the period at
$237.3 million compared to$239.8 million as of September 30, 2024, a decrease of1.1% .Gross loans were
$130.1 million at quarter end, versus$125.3 million on September 30, 2024.Total deposits were
$204.0 million , compared to$203.4 million as of September 30, 2024, an increase of0.3% .For the nine months ended September 30, 2025, net interest margin was
3.99% , compared to3.20% for the nine months ended September 30, 2024.Asset quality remains strong with nonperforming assets to Tier 1 capital of
0.57% as of September 30, 2025.We continue to be FIVE Star-rated from Bauer Financial, which is their highest rating.
We continue to far exceed the minimum community bank leverage ratio.
Coeur d'Alene Bancorp, parent company of bankcda, is headquartered in Coeur d'Alene, Idaho with branches in Coeur d'Alene, Hayden, Post Falls, Kellogg, Spokane, and Richland.
For more information, visit www.bankcda.bank or contact Wes Veach at 208-415-5006.
Forward-Looking Statements
This press release contains, among other things, certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including, without limitation, statements preceded by, followed by, or that include the words "may," "could," "should," "would," "believe," "anticipate," "estimate," "expect," "intend," "plan," "projects," "outlook" or similar expressions. These statements are based upon the current belief and expectations of the Coeur d'Alene Bancorp's management team and are subject to significant risks and uncertainties that are subject to change based on various factors (many of which are beyond Coeur d'Alene Bancorp's control). Although Coeur d'Alene Bancorp believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove to be inaccurate. Therefore, Coeur d'Alene Bancorp can give no assurance that the results contemplated in the forward-looking statements will be realized. The inclusion of this forward-looking information should not be construed as a representation by Coeur d'Alene Bancorp or any other person that the future events, plans, or expectations contemplated by Coeur d'Alene Bancorp will be achieved.
All subsequent written and oral forward-looking statements attributable to Coeur d'Alene Bancorp or any person acting on its behalf are expressly qualified in their entirety by the cautionary statements above. Coeur d'Alene Bancorp does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made, except as required by law.
Balance Sheet Overview
(Unaudited)
Sep 30, 2025 | Sep 30, 2024 | Jun 30, 2025 | ||||||||||
Assets: | ||||||||||||
Cash and due from banks | $ | 20,927,902 | $ | 9,573,400 | $ | 11,533,346 | ||||||
Securities available for sale, at fair value | 76,538,591 | 96,787,716 | 68,167,726 | |||||||||
Net loans | 127,414,594 | 122,993,089 | 134,990,764 | |||||||||
Other assets | 12,402,510 | 10,449,503 | 12,356,101 | |||||||||
Total assets | $ | 237,283,598 | $ | 239,803,707 | $ | 227,047,937 | ||||||
Liabilities and Shareholders' Equity: | ||||||||||||
Total deposits | $ | 203,988,773 | $ | 203,369,574 | $ | 195,438,280 | ||||||
Borrowings | - | 7,000,000 | - | |||||||||
Capital lease liability | 1,394,225 | 354,462 | 1,418,758 | |||||||||
Other liabilities | 6,378,002 | 5,694,015 | 5,773,133 | |||||||||
Shareholders' equity | 25,522,598 | 23,385,656 | 24,417,766 | |||||||||
Total liabilities and shareholders' equity | $ | 237,283,598 | $ | 239,803,707 | $ | 227,047,937 | ||||||
Ratios: | ||||||||||||
Return on average assets | 0.59 | % | 0.57 | % | 0.54 | % | ||||||
Return on average equity | 5.67 | % | 6.37 | % | 5.25 | % | ||||||
Community bank leverage ratio | 11.28 | % | 10.33 | % | 11.42 | % | ||||||
Net interest margin (YTD) | 3.99 | % | 3.20 | % | 3.86 | % | ||||||
Efficiency Ratio (YTD) | 76.59 | % | 74.71 | % | 76.57 | % | ||||||
Nonperforming assets to total assets | 0.06 | % | 0.00 | % | 0.07 | % | ||||||
Nonperforming assets to tier 1 capital | 0.57 | % | 0.00 | % | 0.61 | % | ||||||
Income Statement Overview
(unaudited)
For the three months ended | For the nine months ended | |||||||||||||||
Sep 30, 2025 | Sep 30, 2024 | Sep 30, 2025 | Sep 30, 2024 | |||||||||||||
Interest income | $ | 3,050,608 | $ | 2,833,644 | $ | 8,795,583 | $ | 8,139,058 | ||||||||
Interest expense | 692,527 | 922,240 | 2,161,758 | 2,548,724 | ||||||||||||
Net interest income | 2,358,081 | 1,911,404 | 6,633,826 | 5,590,334 | ||||||||||||
Loan loss provision | 106,500 | 180,000 | 319,500 | 182,812 | ||||||||||||
Noninterest income | 250,760 | 242,024 | 707,825 | 695,001 | ||||||||||||
Salaries and employee benefits | 1,090,904 | 870,086 | 3,139,333 | 2,649,744 | ||||||||||||
Occupancy expense | 258,966 | 161,566 | 714,784 | 499,293 | ||||||||||||
Loss on sale, net of gains | - | - | - | 23,005 | ||||||||||||
Other noninterest expense | 649,263 | 552,460 | 1,768,964 | 1,546,731 | ||||||||||||
Income before income taxes | 503,208 | 389,316 | 1,399,071 | 1,383,751 | ||||||||||||
Income tax expense | 101,097 | 135,991 | 374,307 | 361,534 | ||||||||||||
Net income | $ | 402,111 | $ | 253,324 | $ | 1,024,764 | $ | 1,022,217 | ||||||||
SOURCE: Coeur d'Alene Bancorp
View the original press release on ACCESS Newswire
FAQ
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