Fairfax-based MainStreet Bancshares is pivoting to the niche business as a means to boost its Avenu banking-as-a-service platform, which has failed to hit deposit and revenue targets.

The card network will provide payments support for the social network's financial app, potentially contributing to its ability to scale.

The Dallas bank made some headway on its goal to slim down its multifamily loan portfolio, but $17 million in bad loans led to a bottom-line loss in the fourth quarter.

The Long Island-based company, which is in the middle of a makeover, saw its stock price rise sharply after reporting a net loss that was less than what analysts expected.

The credit card issuer's earnings missed Wall Street estimates, but it reported improvement in sales, delinquencies and charge-offs. Management said unclear political direction and cloudy monetary policy could threaten an already conservative outlook for 2025.

The Rutherford-based Blue Foundry Bancorp reported an eighth consecutive quarter of red ink, but a widening margin and positive loan growth trends hint at better times ahead.

CEO Michael Miebach says the card network's business in areas such as debit cards will enable it to compete if the mega merger results in the loss of Capital One's debit business.

During fourth-quarter earnings calls, bank leaders said they don't expect borrower demand to pick up until the second half of 2025. But to the extent there's optimism, it involves business lending.

In the fourth quarter, UMB Financial's earnings outpaced Wall Street's estimates — but the bank it's acquiring, Heartland Financial, fell short of them.

Executives at the Wilmington Delaware-based bank are optimistic about 2025. Its results in the final three months of last year were hurt by an "isolated" incident in its 26-year-old ATM servicing business.