Preferred Bank’s A- Long-Term Deposit Ratings and BBB+ Subordinated Debt Affirmed
KBRA affirmed Preferred Bank’s long-term deposit and senior unsecured debt ratings at A-, subordinated debt at BBB+ and short-term ratings at K2, with a stable outlook as of April 17, 2026. The bank reported a 2025 ROA of 1.84%, driven by its high-yield loan portfolio and lean, branch-light cost structure.
1. Ratings Affirmed
Kroll Bond Rating Agency affirmed Preferred Bank’s long-term deposit and senior unsecured debt ratings at A-, subordinated debt at BBB+ and short-term deposit and debt ratings at K2, maintaining a stable outlook as of April 17, 2026.
2. Profitability Drivers
Preferred Bank reported a 2025 return on assets of 1.84%, supported by its high-yield loan portfolio and reduced operating expenses from a branch-light business model spanning California, New York and Texas.
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