Middletown Valley Bank reported record net income of USD 8.7 million, or USD 2.93 per diluted common share, for the full year ended December 31, 2025. Net income for the period increased by 30.6%. Return on average assets rose to 0.80% for the year. For the fourth quarter of 2025, net income totaled USD 2.4 million, or USD 0.80 per diluted common share, with an annualized return on average assets of 0.85%. Noninterest income for the fourth quarter increased, excluding a loss on the sale of securities recorded in the prior year. Mortgage banking revenue for the period decreased, while earnings on bank-owned life insurance and card and merchant services fees increased.

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