Overview

* Mountain Commerce Bancorp ( MCBI ) Q3 net income rises to $3.9 mln, adjusted EPS at $0.62

* Company's net interest margin improves to 2.50% from 2.08% year-over-year

* Non-performing assets increased but are well collateralized, minimizing risk of material loss

Outlook

* Company expects continued improvement in earnings throughout 2025, given stable macro-economic conditions

* Mountain Commerce Bancorp ( MCBI ) aims to carefully control risk and growth while net interest margin recovers

* Company remains committed to paying down debt and increasing capital

Result Drivers

* NET INTEREST INCOME - Increased by $1.9 mln due to higher interest-earning assets and lower cost of funds

* NON-PERFORMING ASSETS - Increased but are well collateralized, minimizing risk of material loss

* DEBT REDUCTION - Senior debt reduced by $4 mln and subordinated debt by $2 mln

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 $0.62

Adjusted

EPS

Q3 EPS $0.62

Q3 $3,858,0

Adjusted 00

Net

Income

Q3 Net $3,898,0

Income 00

Q3 $0.07

Dividend

Press Release:

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(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.)