---
title: "Commercial National Financial Corp Q4 net income falls"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/273408398.md"
datetime: "2026-01-22T17:45:34.000Z"
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  - [zh-CN](https://longbridge.com/zh-CN/news/273408398.md)
  - [en](https://longbridge.com/en/news/273408398.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/273408398.md)
---

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# Commercial National Financial Corp Q4 net income falls

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Overview

-   Banking firm’s Q4 net income fell yr/yr, with EPS at $0.45
-   Net interest income rose 6.5% yr/yr, driven by lower funding costs
-   Total loans decreased 6.1% due to high interest rates and early payoffs

Outlook

-   Company did not provide specific guidance for future quarters or full year in the press release

Result Drivers

-   INTEREST EXPENSE - Interest expense decreased by $516,000, mainly due to a decrease in funding costs
-   OPERATING EXPENSES - Operating expenses increased by $150,000, mainly due to higher wages and benefits
-   LOAN DECREASE - Total loans decreased by $24 million or 6.1% due to the high interest rate environment and early loan payoffs

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

### Q4 EPS $0.45

Q4 Net 4.04%

Interest

Margin

### Q4 ROE 12.64%

Press Release: For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact . (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.)

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