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Investor Relations14 Oct 2025
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Alerus Financial (ALRS) investor relations material
Alerus Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income for Q2 2025 was $20.3 million ($0.78 per diluted share), up from $13.3 million in Q1 2025 and $6.2 million in Q2 2024, with adjusted EPS of $0.72 and adjusted ROA of 1.41%.
Adjusted return on average tangible common equity reached 21.0% in Q2 2025, up from 17.6% in Q1 2025.
Strategic sale of $60M+ in hospitality/non-owner occupied CRE loans generated a $2.1M gain and optimized the balance sheet.
Tangible book value per share increased to $16.11, up 5.5% sequentially and over 20% annualized.
Quarterly dividend increased by 5% to $0.21, marking the 39th consecutive year of dividend growth.
Financial highlights
Net interest income was $43.0 million, up 4.6% from Q1 2025 and 79% year-over-year.
Noninterest income reached $31.8 million, a 15% increase from Q1 2025 and up 16% year-over-year.
Adjusted pre-provision net revenue was $24.3 million, up 23.2% from Q1 2025.
Efficiency ratio improved to 60.7% in Q2 2025; adjusted efficiency ratio improved to 62.4% from 66.9% in Q1 2025.
Noninterest expense decreased 3.8% sequentially, but increased 25% year-over-year due to acquisition and labor costs.
Outlook and guidance
2025 guidance projects mid-single-digit loan growth (excluding held-for-sale loans) and low-single-digit deposit growth.
Net interest margin expected at 3.25%-3.35% for the year, with less purchase accounting accretion in H2.
Adjusted efficiency ratio targeted below 68% for 2025; core expenses in Q3 expected at $49M-$50M.
Noninterest income for the year projected up low single digits, including loan sale gains.
Management remains focused on executing long-term strategy, enhancing client relationships, and driving sustainable growth.
What is driving the expected core margin improvement?
Elaborate on the strategy for deposit growth.
Detail the capital deployment plans for 2025.
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Next Alerus Financial earnings date
Q3 202531 Oct, 2025
Next Alerus Financial earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
Alerus Financial Corporation is a financial services company that offers a range of banking, wealth management, and retirement services. Through its banking division, the company provides commercial and consumer loans, deposit products, and treasury management solutions. Its wealth management and retirement services include investment advisory, fiduciary services, and administration of retirement plans such as 401(k) and pension plans. Alerus serves individuals, businesses, and institutions across its regional markets. The company is headquartered in Grand Forks, North Dakota, and its shares are listed on the NASDAQ.
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