Apollo Bancorp Inc. 2025 Fourth Quarter and Year-end Earnings

Contact: Nelson L. Person
President & CEO
Tel. (724) 478-6101

FOR IMMEDIATE RELEASE

Apollo, PA—January 21, 2026:  Apollo Bancorp, Inc. (OTCID: APLO), the parent company of Apollo Trust Company, reported net income for the quarter ended December 31, 2025 of $553,000, or $1.09 per share, compared with fourth quarter 2024 earnings of $757,000, or $1.46 per share. The $204,000 decrease in earnings was primarily the result of a $471,000 decrease in earnings on bank owned life insurance offset by a $200,000 increase in net interest income and a $117,000 decrease in provision for credit losses.

Unaudited net income for the year ended December 31, 2025 totaled $2,092,000 resulting in a return on average assets (ROA) of 1.01% and return on average equity (ROE) of 8.56%.  Net income for 2024 totaled $2,001,000, or 1.00% ROA and 8.50% ROE.  Earnings per share totaled $4.08 for 2025 compared with $3.85 for 2024.  The $90,000 increase in earnings for 2025 compared with 2024 was primarily the result of a $799,000 increase in net interest income and $122,000 decrease in provision for credit losses offset by a $472,000 decrease in earnings on bank owned life insurance and $236,000 and $242,000 increases in income taxes and noninterest expenses, respectively.  Total assets of the bank holding company were $208 million at year-end 2025.  Loan balances increased 4% during 2025 to $182 million.  Deposits were $138 million as of December 31, 2025 compared with $140 million at year-end 2024.

Apollo Bancorp, Inc. common stock is traded Over-the-Counter on OTCID under the symbol APLO.  Recent trades and current bid-ask prices may be viewed at www.otcmarkets.com.

Apollo Trust Company operates six banking locations in the Alle-Kiski Valley and a loan office in the Fox Chapel area of Pittsburgh.

More information is available at the Company’s website:  www.apollotrust.com