Infinity Bancorp Announces Second Quarter 2025 Financial Results
Infinity Bancorp (OTCQB:INFT) reported strong Q2 2025 financial results, with net income of $1.4 million, representing a 12.5% increase from Q1 2025. The bank's performance showed improvements in key metrics, with earnings per share rising to $0.83 for the six months ended June 30, 2025. The company's net interest margin increased by 14 basis points to 5.93%, while total deposits grew to $291.2 million, up 1.0% from Q1.
Notable achievements include a decrease in cost of funds to 1.58% and strong capital ratios with a tier 1 leverage ratio of 12.69%. The bank maintained a healthy loan portfolio of $221.4 million and declared a quarterly dividend of $0.09 per share. Book value per share improved to $12.68, up from $12.24 in Q1 2025.
Infinity Bancorp (OTCQB:INFT) ha riportato solidi risultati finanziari nel secondo trimestre del 2025, con un utile netto di 1,4 milioni di dollari, segnando un aumento del 12,5% rispetto al primo trimestre del 2025. Le prestazioni della banca hanno mostrato miglioramenti nei principali indicatori, con un utile per azione salito a 0,83 dollari nei sei mesi terminati il 30 giugno 2025. Il margine di interesse netto 猫 cresciuto di 14 punti base raggiungendo il 5,93%, mentre i depositi totali sono aumentati a 291,2 milioni di dollari, con un incremento dell'1,0% rispetto al primo trimestre.
Tra i risultati rilevanti si segnala una riduzione del costo dei fondi al 1,58% e solidi rapporti patrimoniali con un indice di leva Tier 1 del 12,69%. La banca ha mantenuto un portafoglio prestiti sano pari a 221,4 milioni di dollari e ha dichiarato un dividendo trimestrale di 0,09 dollari per azione. Il valore contabile per azione 猫 migliorato a 12,68 dollari, rispetto ai 12,24 dollari del primo trimestre 2025.
Infinity Bancorp (OTCQB:INFT) report贸 s贸lidos resultados financieros en el segundo trimestre de 2025, con un ingreso neto de 1,4 millones de d贸lares, lo que representa un aumento del 12,5% respecto al primer trimestre de 2025. El desempe帽o del banco mostr贸 mejoras en m茅tricas clave, con un beneficio por acci贸n que aument贸 a 0,83 d贸lares en los seis meses finalizados el 30 de junio de 2025. El margen de inter茅s neto creci贸 14 puntos b谩sicos hasta un 5,93%, mientras que los dep贸sitos totales subieron a 291,2 millones de d贸lares, un 1,0% m谩s que en el primer trimestre.
Entre los logros destacados se incluye una reducci贸n en el costo de fondos al 1,58% y fuertes ratios de capital con un coeficiente de apalancamiento Tier 1 del 12,69%. El banco mantuvo una cartera de pr茅stamos saludable de 221,4 millones de d贸lares y declar贸 un dividendo trimestral de 0,09 d贸lares por acci贸n. El valor contable por acci贸n mejor贸 a 12,68 d贸lares, frente a los 12,24 d贸lares del primer trimestre de 2025.
Infinity Bancorp (OTCQB:INFT)電� 2025雲� 2攵勱赴 臧曤牓頃� 鞛 鞁れ爜鞚� 氤搓碃頄堨溂氅�, 靾滌澊鞚� 140毵� 雼煬搿� 2025雲� 1攵勱赴 雽�牍� 12.5% 歃濌皜頄堨姷雼堧嫟. 鞚�頄夓潣 鞁れ爜鞚� 欤检殧 歆�響滌棎靹� 臧滌劆鞚� 氤挫榾鞙茧┌, 2025雲� 6鞗� 30鞚� 膦呺霅� 6臧滌洈 霃欖晥 欤茧嫻靾滌澊鞚奠澊 0.83雼煬搿� 靸侅姽頄堨姷雼堧嫟. 靾滌澊鞛愲歆勳潃 14 氩犾澊鞁滌姢 韽澑韸� 歃濌皜頃橃棳 5.93%毳� 旮半頄堦碃, 齑� 鞓堦笀鞚� 2鞏� 9,120毵� 雼煬搿� 1攵勱赴 雽�牍� 1.0% 歃濌皜頄堨姷雼堧嫟.
欤检殧 靹标臣搿滊姅 鞛愱笀 臁半嫭 牍勳毄鞚� 1.58%搿� 臧愳唽頄堨溂氅�, Tier 1 霠堧矂毽 牍勳湪鞚� 12.69%搿� 鞛愲掣 牍勳湪鞚� 瓴碃頃潉 氤挫棳欤检棃鞀惦媹雼�. 鞚�頄夓潃 2鞏� 2,140毵� 雼煬鞚� 瓯挫爠頃� 雽�於� 韽姼韽措Μ鞓るゼ 鞙犾頄堨溂氅�, 攵勱赴氤� 欤茧嫻 0.09雼煬 氚半嫻旮�鞚� 靹犾柛頄堨姷雼堧嫟. 欤茧嫻 鞛ル秬 臧�旃橂姅 1攵勱赴 12.24雼煬鞐愳劀 12.68雼煬搿� 靸侅姽頄堨姷雼堧嫟.
Infinity Bancorp (OTCQB:INFT) a annonc茅 de solides r茅sultats financiers pour le deuxi猫me trimestre 2025, avec un revenu net de 1,4 million de dollars, soit une augmentation de 12,5 % par rapport au premier trimestre 2025. La performance de la banque a montr茅 des am茅liorations sur les indicateurs cl茅s, avec un b茅n茅fice par action en hausse 脿 0,83 $ pour les six mois se terminant le 30 juin 2025. La marge nette d'int茅r锚t a augment茅 de 14 points de base pour atteindre 5,93 %, tandis que les d茅p么ts totaux ont progress茅 脿 291,2 millions de dollars, en hausse de 1,0 % par rapport au premier trimestre.
Parmi les r茅alisations notables figurent une baisse du co没t des fonds 脿 1,58 % et des ratios de capital solides avec un ratio de levier Tier 1 de 12,69 %. La banque a maintenu un portefeuille de pr锚ts sain de 221,4 millions de dollars et a d茅clar茅 un dividende trimestriel de 0,09 $ par action. La valeur comptable par action s'est am茅lior茅e 脿 12,68 $, contre 12,24 $ au premier trimestre 2025.
Infinity Bancorp (OTCQB:INFT) meldete starke Finanzergebnisse f眉r das zweite Quartal 2025 mit einem Nettoeinkommen von 1,4 Millionen US-Dollar, was einer Steigerung von 12,5 % gegen眉ber dem ersten Quartal 2025 entspricht. Die Leistung der Bank zeigte Verbesserungen in wichtigen Kennzahlen, wobei der Gewinn je Aktie auf 0,83 US-Dollar f眉r die sechs Monate bis zum 30. Juni 2025 stieg. Die Nettozinsmarge erh枚hte sich um 14 Basispunkte auf 5,93%, w盲hrend die Gesamteinlagen auf 291,2 Millionen US-Dollar anwuchsen, ein Plus von 1,0 % gegen眉ber dem ersten Quartal.
Bemerkenswerte Erfolge umfassen eine Senkung der Finanzierungskosten auf 1,58% sowie starke Kapitalquoten mit einer Tier-1-Leverage-Ratio von 12,69%. Die Bank hielt ein gesundes Kreditportfolio von 221,4 Millionen US-Dollar und erkl盲rte eine Quartalsdividende von 0,09 US-Dollar pro Aktie. Der Buchwert je Aktie verbesserte sich auf 12,68 US-Dollar, gegen眉ber 12,24 US-Dollar im ersten Quartal 2025.
- None.
- Total loans decreased by $3 million (1.34%) quarter-over-quarter
- Efficiency ratio worsened to 60.7% from 57.7% in Q1 2025
- Non-interest expense increased 9.4% quarter-over-quarter to $2.9 million
- Interest-bearing deposits decreased by $11.3 million (8.7%) from Q1 2025
SANTA ANA, CA / / August 1, 2025 / Infinity Bancorp (OTCQB:INFT) (the "Company" or "Bancorp"), the holding company for Infinity Bank (the "Bank"), today announced financial results for the quarter ended, June 30, 2025.
Financial highlights for the second quarter of 2025:
Net income was
$1.4 million for the second quarter, a12.5% increase over the first quarter of 2025A dividend of
$0.09 per share was paid to shareholders during the second quarter of 2025Total stockholders' equity increased
$1.4 million from March 31, 2025, and increased$2.9 million from December 31, 2024Net interest margin increased 14 basis points from the quarter ended March 31, 2025
Earnings per share increased
$0.23 t o$0.83 for the six months ended June 30, 2025
Loans and Allowance for Credit Losses
Total loans were
To maintain the Bank's Allowance for Credit Losses (ACL) at its current level, as a percentage of total loans, the Bank made a crediting adjustment, to the ACL of
Yields on total loans increased to
Deposits and Borrowed Funds
Total deposits equaled
The
The Company's cost of funds was down to
Net-interest Income
Net-interest income for the second quarter of 2025 was
The Company's net interest margin for the second quarter of 2025 was up 14 basis points to
Non-interest Income
For the second quarter of 2025, non-interest income totaled
Non-interest Expense
For the second quarter of 2025, non-interest expense totaled
Net Income
For the second quarter of 2025 the Company's net income increased
The return on average assets increased 17 basis points to
The return on average equity for the second quarter of 2025 was
Capital Management and Subsequent Event
The Company continues to be well-capitalized and exceeds minimum regulatory requirement ratios with a tier 1 leverage ratio of
On July 31, 2025, the Company declared a
The book value of the Company's common stock was
ABOUT INFINITY BANCORP AND INFINITY BANK
Infinity Bank is the sole subsidiary of Infinity Bancorp. Infinity Bancorp, formed on October 21, 2022, is the bank holding company for Infinity Bank. The Bancorp does not have any operations other than through its sole subsidiary, Infinity Bank. The Bank is a community bank that commenced operations in February 2018. The Bank is focused on serving the banking needs of commercial businesses, professional service entities, their owners, employees, and families. The Bank offers a broad selection of depository products and services as well as business loan and commercial real estate financing products uniquely designed for each client. For more information about Infinity Bank and its services, please visit the website at www.infinity.bank
This news release contains a number of forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"). These statements may be identified by use of words such as "anticipate," "believe," "continue," "could," "estimate," "expect," "intend," "likely," "may," "outlook," "plan," "potential," "predict," "project," "should," "will," "would" and similar terms and phrases, including references to assumptions. Forward-looking statements are based upon various assumptions and analyses made by the Bancorp (which includes the Bank) considering management's experience and its perception of historical trends, current conditions and expected future developments, as well as other factors it believes are appropriate under the circumstances. These statements are not guaranteeing future performance and are subject to risks, uncertainties, and other factors (many of which are beyond the Bancorp's control) that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Accordingly, you should not place undue reliance on such statements. Factors that could affect the Bancorp's results include, without limitation, the following: the timing and occurrence or non-occurrence of events may be subject to circumstances beyond the Bancorp's control; there may be increases in competitive pressure among financial institutions or from non-financial institutions; changes in the interest rate environment may reduce interest margins; changes in deposit flows, loan demand or real estate values may adversely affect the business of the Bancorp; unanticipated or significant increases in loan losses; changes in accounting principles, policies or guidelines may cause the Bancorp's financial condition to be perceived differently; changes in corporate and/or individual income tax laws may adversely affect the Bancorp's financial condition or results of operations; general economic conditions, either nationally or locally in some or all areas in which the Bancorp conducts business, or conditions in the securities markets or the banking industry may be less favorable than the Bancorp currently anticipates; legislation or regulatory changes may adversely affect the Bancorp's business; technological changes may be more difficult or expensive than the Bancorp anticipates; there may be failures or breaches of information technology security systems; success or consummation of new business initiatives may be more difficult or expensive than the Bancorp anticipates; or litigation or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of events longer than the Bancorp anticipates.
6 Hutton Centre Drive, Suite 100
Santa Ana, CA 92707
Bala Balkrishna
CEO
Phone: (657) 223-1000
[email protected]
Victor Guerrero
President, COO
Phone: (562) 631-3042
[email protected]
Allison Duncan
CFO
Phone: (657) 304-2378
[email protected]
INFINITY BANCORP
UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
(Dollars in thousands)
June 30, | March 31, | December 31, | ||||||||||
ASSETS: | ||||||||||||
Cash and due from banks | $ | 81,731 | $ | 79,001 | $ | 69,057 | ||||||
Securities available for sale | 31,386 | 33,085 | 34,947 | |||||||||
Total Loans | 221,352 | 224,361 | 226,305 | |||||||||
Allowance for credit losses | (3,609 | ) | (3,682 | ) | (3,702 | ) | ||||||
Net Loans | 217,743 | 220,679 | 222,603 | |||||||||
Premises and equipment, net | 1,210 | 1,260 | 1,307 | |||||||||
Other assets | 5,004 | 4,647 | 4,753 | |||||||||
TOTAL ASSETS | $ | 337,074 | $ | 338,672 | $ | 332,667 | ||||||
LIABILITIES | ||||||||||||
Deposits: | ||||||||||||
Non-interest bearing | $ | 172,137 | $ | 157,945 | $ | 150,336 | ||||||
Interest bearing | 118,984 | 130,265 | 134,156 | |||||||||
Time certificates of deposit | 50 | 50 | 50 | |||||||||
Total deposits | 291,171 | 288,260 | 284,542 | |||||||||
Other liabilities | 2,226 | 3,130 | 2,363 | |||||||||
FHLB and other borrowings | - | 5,000 | 5,000 | |||||||||
Subordinated debt | 3,975 | 3,970 | 3,965 | |||||||||
TOTAL LIABILITIES | 297,372 | 300,360 | 295,870 | |||||||||
Stockholders' Equity: | ||||||||||||
Common stock | 33,598 | 33,569 | 33,437 | |||||||||
Retained earnings (Accumulated deficit) | 5,520 | 5,801 | 2,142 | |||||||||
Net income | 2,595 | 1,221 | 3,877 | |||||||||
Accumulated other comprehensive gain (loss) | (2,011 | ) | (2,279 | ) | (2,659 | ) | ||||||
TOTAL STOCKHOLDERS' EQUITY | 39,702 | 38,312 | 36,797 | |||||||||
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | $ | 337,074 | $ | 338,672 | $ | 332,667 | ||||||
INFINITY BANCORP
UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
(Dollars in thousands)
For the Three Months Ended | For the Six Months Ended | |||||||||||||||||||
June 30, | March 31, | June 30, | June 30, | June 30, | ||||||||||||||||
Interest Income: | ||||||||||||||||||||
Loans | $ | 4,993 | $ | 4,980 | $ | 4,792 | $ | 9,973 | $ | 9,326 | ||||||||||
Investment securities | 129 | 133 | 146 | 262 | 301 | |||||||||||||||
Other short-term investments | 669 | 610 | 631 | 1,279 | 1,431 | |||||||||||||||
Total interest income | 5,791 | 5,723 | 5,569 | 11,514 | 11,058 | |||||||||||||||
Interest expense: | ||||||||||||||||||||
Deposits | 1,002 | 1,094 | 1,235 | 2,096 | 2,485 | |||||||||||||||
Borrowed funds | 106 | 106 | 275 | 212 | 646 | |||||||||||||||
Total interest expense | 1,108 | 1,200 | 1,510 | 2,308 | 3,131 | |||||||||||||||
Net interest income | 4,683 | 4,523 | 4,059 | 9,206 | 7,927 | |||||||||||||||
Provision for credit losses | (74 | ) | 220 | 342 | 146 | 712 | ||||||||||||||
Net interest income after provision for credit losses | 4,757 | 4,303 | 3,717 | 9,060 | 7,215 | |||||||||||||||
Non-interest income: | ||||||||||||||||||||
Service charges | 83 | 69 | 49 | 152 | 95 | |||||||||||||||
Other income | 53 | 44 | 34 | 97 | 71 | |||||||||||||||
Total non-interest income | 136 | 113 | 83 | 249 | 166 | |||||||||||||||
Non-interest expense: | ||||||||||||||||||||
Salaries and employee benefits | 2,138 | 2,000 | 1,779 | 4,138 | 3,550 | |||||||||||||||
Occupancy | 61 | 61 | 68 | 122 | 128 | |||||||||||||||
Furniture, fixture & equipment | 41 | 36 | 43 | 77 | 81 | |||||||||||||||
Data processing | 153 | 130 | 148 | 283 | 267 | |||||||||||||||
Professional & legal | 128 | 148 | 175 | 276 | 280 | |||||||||||||||
Marketing | 59 | 62 | (1 | ) | 121 | 59 | ||||||||||||||
Other expense | 345 | 236 | 269 | 581 | 467 | |||||||||||||||
Total non-interest expense | 2,925 | 2,673 | 2,481 | 5,598 | 4,832 | |||||||||||||||
Income before taxes | 1,968 | 1,743 | 1,319 | 3,711 | 2,549 | |||||||||||||||
Income tax expense | 594 | 522 | 416 | 1,116 | 826 | |||||||||||||||
Net Income | $ | 1,374 | $ | 1,221 | $ | 903 | $ | 2,595 | $ | 1,723 | ||||||||||
Earnings per share ("EPS"): Basic | $ | 0.44 | $ | 0.39 | $ | 0.30 | $ | 0.83 | $ | 0.60 | ||||||||||
Earnings per share ("EPS"): Dilutive | $ | 0.43 | $ | 0.39 | $ | 0.30 | $ | 0.83 | $ | 0.60 | ||||||||||
Common shares outstanding | 3,131,015 | 3,131,015 | 3,114,586 | 3,131,015 | 3,114,586 | |||||||||||||||
INFINITY BANCORP
UNAUDITED CONSOLIDATED FINANCIAL HIGHLIGHTS
At and For the Three Months Ended | At and For the Six Months Ended | |||||||||||||||||||
June 30, | March 31, | June 30, | June 30, | June 30, | ||||||||||||||||
Performance Ratios: | ||||||||||||||||||||
Net interest margin | 5.93 | % | 5.79 | % | 5.63 | % | 5.86 | % | 5.45 | % | ||||||||||
Cost of funds | 1.58 | % | 1.73 | % | 2.33 | % | 1.65 | % | 2.37 | % | ||||||||||
Loan to deposit ratio | 76.02 | % | 77.83 | % | 79.89 | % | 76.02 | % | 79.89 | % | ||||||||||
Yield on total loans | 8.96 | % | 8.89 | % | 9.45 | % | 8.93 | % | 9.42 | % | ||||||||||
Return on average assets | 1.71 | % | 1.54 | % | 1.23 | % | 1.63 | % | 1.16 | % | ||||||||||
Return on average equity | 14.13 | % | 13.20 | % | 11.16 | % | 13.55 | % | 10.70 | % | ||||||||||
Efficiency ratio | 60.70 | % | 57.66 | % | 59.90 | % | 59.21 | % | 59.71 | % | ||||||||||
Book value of common stock | $ | 12.68 | $ | 12.24 | $ | 10.95 | ||||||||||||||
Asset Quality Summary: | ||||||||||||||||||||
Allowance for credit losses/Total loans | 1.63 | % | 1.64 | % | 1.72 | % | 1.63 | % | 1.72 | % | ||||||||||
Capital Ratios: | ||||||||||||||||||||
Tier 1 risk-based capital ratio | 16.67 | % | 15.68 | % | 15.09 | % | 16.67 | % | 15.09 | % | ||||||||||
Total risk-based capital ratio | 19.53 | % | 18.49 | % | 17.94 | % | 19.53 | % | 17.94 | % | ||||||||||
Tier 1 leverage ratio | 12.69 | % | 12.23 | % | 12.40 | % | 12.69 | % | 12.40 | % | ||||||||||
SOURCE: Infinity Bank Santa Ana California
View the original on ACCESS Newswire
FAQ
What was Infinity Bancorp's (INFT) net income for Q2 2025?
How much is INFT's quarterly dividend payment for Q2 2025?
What was Infinity Bancorp's loan portfolio performance in Q2 2025?
What is INFT's current book value per share?
How did Infinity Bancorp's net interest margin perform in Q2 2025?
What are Infinity Bancorp's current capital ratios?
