Infinity Bancorp, based in Santa Ana, California, has released its financial results for the second quarter of 2026. The report indicates a net income of $1.4 million, which is a 6.2% increase compared to the first quarter of 2026.
During this quarter, the company experienced a notable rise in loans, increasing by $31.4 million or 14% to reach a total of $255.1 million as of June 30, 2026. In contrast, total deposits decreased by $33.8 million, a decline of 9.8% since the previous quarter, although they showed a slight increase of 2.3% compared to the end of 2025.
Infinity Bancorp reported net interest income of $4.9 million for Q2 2026, reflecting a modest rise of 0.7% from the prior quarter and a 3.7% increase from the same period in 2025. The net interest margin decreased to 5.84%, impacted by adjustments in loan yields and changes in interest rate environments.
The non-interest income for this quarter reached $174,000, a 27.9% increase over the previous quarter. However, total non-interest expenses decreased to $2.9 million, indicating a slight decrease in operating costs.
Infinity Bancorp maintains strong capital ratios, exceeding the minimum regulatory requirements, with a tier 1 leverage ratio of 13.03% and a total risk-based capital ratio of 17.94%. On July 30, 2026, the company declared a cash dividend of $0.10 per share, set to be paid on August 28, 2026.
For the second quarter of 2026, Infinity Bancorp reported a net income of $1.4 million, a 6.2% increase from the previous quarter. Total loans rose to $255.1 million, marking a 14% increase compared to the first quarter of 2026. Additionally, the bank paid a cash dividend of $0.10 per share during this period.
Total loans increased by $31.4 million, or 14%, in Q2 2026, leading to a loan deposit ratio of 82.5%. However, total deposits decreased by $33.8 million, representing a 9.8% decline from the first quarter of 2026, although they were up 2.3% compared to the end of 2025.
As of June 30, 2026, Infinity Bancorp's allowance for credit losses (ACL) as a percentage of total loans is 1.51%, a decrease from 1.63% in the prior quarter. The bank made an additional provision to the ACL of $205 thousand during Q2 2026.
In Q2 2026, Infinity Bancorp reported net interest income of $4.9 million, a slight increase from the first quarter of 2026. Interest expenses totalled approximately $941 thousand, leading to a net interest margin of 5.84% for the quarter.
Net income for Q2 2026 was $1.4 million, which is relatively stable compared to $1.4 million in Q2 2025 and a slight increase from $1.3 million in Q1 2026. For the six months ended June 30, 2026, net income was flat at $2.6 million compared to the same period in 2025.
Infinity Bancorp maintains a tier 1 leverage ratio of 13.03%, a tier 1 risk-based capital ratio of 15.31%, and a total risk-based capital ratio of 17.94%. These figures indicate that the bank is well-capitalised and exceeds minimum regulatory requirements.
The financial performance of Infinity Bancorp could be affected by various risks including changes in the interest rate environment, competitive pressures among financial institutions, fluctuations in deposit flows, and increases in loan losses. The bank also faces potential regulatory changes and economic conditions that may influence its operating results.
The Company declared a cash dividend of $0.10 per share on July 30, 2026, payable on August 28, 2026, with a record date of August 14, 2026. However, the sustainability of future dividends has not been specifically addressed.