1st Source posts record Q3 net income of $49.54M; EPS $2.03, up 18.7% YoY; dividend raised 12.5% to $0.45

1ST SOURCE CORP

Net income $49.54M, up 4.20% QoQ and 17.13% YoY; diluted EPS $2.03 vs $1.71 in Q3 2025.
Tax-equivalent NII $95.74M, up 7.69% YoY; NIM 4.28%, up 19 bps YoY; average loans $7.26B, up 3.42% YoY.
Quarter included $3.82M pre-tax loss on sale of ~$68M AFS securities (1.83% yield) replaced at 5.10%; $1.00M charitable contribution.
Provision for credit losses $0.90M vs $1.54M QoQ; net charge-offs $0.33M; nonperforming assets 0.81% of loans vs 1.01% at June 30.
Declared $0.45/share dividend, up 12.50% YoY; payable Nov 13, 2026 to holders of record Nov 3, 2026.

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