Preferred Bank Q4 net income $34.8mln, down $1.1mln QoQ, up $4.6mln YoY.

• Preferred Bank reports Q4 2025 net income of $34.8 million, down $1.1 million from Q3. • Net income increased $4.6 million YoY, mainly due to a $8.1 million correction in ASC 842, Lease Accounting. • Q4 decrease attributed to a $1.8 million increase in credit loss provision and $1.3 million net interest income decline. • Primary reason for decline in net interest income was market interest rate decline.