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Trøndelag Sparebank (TRSB) investor relations material
Trøndelag Sparebank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Total assets surpassed NOK 10 billion, reflecting solid growth and strengthened results following the merger of Åfjord Sparebank and Hemne Sparebank, and listing on Euronext Oslo Børs in December 2024.
Expanded service offering includes banking, real estate, accounting, insurance, and leasing through strategic acquisitions and partnerships.
BBB+ rating from Nordic Credit Rating.
Financial highlights
Pre-tax profit improved by NOK 9.0 million year-over-year, reaching NOK 91.4 million for 2025.
Result after tax increased to NOK 74.1 million (NOK 67.0 million in 2024).
Net interest income stable at NOK 208.0 million (NOK 207.6 million in 2024), with a net interest margin of 2.12%.
Net commission and subsidiary income totaled NOK 134.1 million, up from NOK 123.2 million.
Total assets reached NOK 11.6 billion at year-end 2025.
Outlook and guidance
Focus on sustainable and controlled growth, especially in the business market, with a 2026 growth target of 5%.
Positive outlook after the merger and capital requirement relief, with prioritization of synergies and efficiency between group companies.
Continued investment in risk management, compliance, and digitalization to meet regulatory demands.
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