Middlefield Banc Corp. (MBCN) announced its third‑quarter 2025 financial results on October 23, 2025. The bank reported net income of $5.3 million, or $0.65 per diluted share, up 131% from $2.3 million ($0.29) in the same quarter a year earlier. Total revenue rose 18% year‑over‑year to $19.9 million.
Interest income increased 16.5% to $17.6 million, while the net interest margin expanded to 3.79% from 3.46% a year ago. Total loans grew 6.8% to $1.61 billion, and deposits increased 7.2% to $1.62 billion, supporting the margin expansion. Non‑interest income also rose 8.2% to $2.3 million.
The results demonstrate robust asset quality, with non‑performing assets at 1.51% of total assets, and a strong allowance for credit losses of $23.0 million. The earnings beat and margin improvement reinforce Middlefield’s community‑banking model and provide a solid foundation for future growth.
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