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Alerus Financial (ALRS) investor relations material
Alerus Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Net income for Q3 2025 was $16.9 million ($0.65 per diluted share), up 225% year-over-year, with adjusted EPS of $0.66 and adjusted ROAA of 1.28%.
Results reflect ongoing execution of long-term strategy, including the HMNF acquisition and transformation across commercial and wealth banking.
Diversified business model drives over 40% of revenue from noninterest income, nearly double the industry average.
Loans grew 1.4% and deposits 1.7% sequentially, with a loan-to-deposit ratio of 93%.
Strategic leadership transitions, platform upgrades, and team expansions in key growth markets.
Financial highlights
Net interest income reached $43.1 million in Q3 2025, up 0.2% sequentially and 91.4% year-over-year.
Noninterest income was $29.4 million, down 7.3% sequentially but up 3.8% year-over-year, representing 40.6% of total revenues.
Net interest margin (tax-equivalent) was 3.50%; total cost of funds at 2.34%.
Tangible common equity to tangible assets was 8.24%; tangible book value per share increased to $16.90.
Returned $5.3 million to shareholders via dividends.
Outlook and guidance
FY 2025 guidance: loans $4.1–4.2B, deposits $4.3–4.4B, NIM 3.35–3.40%, adjusted noninterest income ~$115M, adjusted ROA >1.15%.
FY 2026 preliminary guidance: mid-single digit loan growth, low-single digit deposit growth, NIM 3.35–3.45%, adjusted ROA >1.10%.
Management remains focused on organic revenue growth, prudent expense management, and strong credit discipline.
Capital and reserves are positioned to withstand potential economic uncertainty.
Guidance does not assume further rate cuts beyond the recent 25 bps Fed cut.
Status of hospitality loan portfolio?
Deposit mix strategy and public fund impact?
Discuss wealth management platform conversion impact
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Next Alerus Financial earnings date
Q4 202529 Jan, 2026
Next Alerus Financial earnings date
Q4 202529 Jan, 2026
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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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