---
title: "Morris State Bancshares Q4 profit rises as NIM improves"
description: "Morris State Bancshares reported a Q4 profit increase, with net income rising from Q4 2024 despite a decrease from Q3. The bank declared a higher quarterly and special dividend and received regulatory"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/274661659.md"
published_at: "2026-02-03T13:10:09.000Z"
---

# Morris State Bancshares Q4 profit rises as NIM improves

> Morris State Bancshares reported a Q4 profit increase, with net income rising from Q4 2024 despite a decrease from Q3. The bank declared a higher quarterly and special dividend and received regulatory approval for its merger with Vallant Financial, expected to complete by March 2026. The net interest margin improved to 4.48% in 2025, and asset quality remained strong with nonperforming assets at 0.28% of total loans. Q4 EPS was $0.60, with net income of $6.37 million and a net interest income of $17.72 million.

)

Overview

-   Georgia bank’s Q4 net income decreased from Q3 but increased from Q4 2024
-   Company declared increased quarterly dividend and special dividend
-   Company received regulatory approval for merger with Vallant Financial

Outlook

-   Company anticipates completing merger with Vallant Financial by March 2026

Result Drivers

-   NET INTEREST MARGIN - Improved to 4.48% in 2025 from 4.06% in 2024, driven by better earning-asset yields and reduced cost of funds
-   ASSET QUALITY - Maintained strong asset quality with nonperforming assets at 0.28% of total loans
-   MERGER PREPARATION - Regulatory approval received for merger with Vallant Financial, pending final shareholder vote

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

### Q4 EPS $0.60

Q4 Net $6.37

Income mln

Q4 Net $17.72

Interest mln

Income

Q4 Basic $0.60

### EPS

Q4 Net 4.73%

Interest

Margin

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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> **Disclaimer**: This article is for reference only and does not constitute any investment advice.