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Amalgamated Financial (AMAL) investor relations material
Amalgamated Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Core net income for Q2 2025 was $27.0 million ($0.88 per share); GAAP net income was $26.0 million ($0.84 per share), with stable profitability and top-tier performance.
On-balance sheet deposits increased to $7.7 billion, with balanced growth in both deposit gathering and loan origination.
Tangible book value per share rose 3.5% to $24.33, up 18% year-over-year.
Continued expansion in key markets, especially California, with strategic hires and investments in digital infrastructure to support scalable growth.
Total assets reached $8.6 billion at June 30, 2025, up from $8.26 billion at year-end 2024.
Financial highlights
Net interest income for Q2 2025 was $72.9 million, up 5.4% year-over-year; net interest margin held steady at 3.55%.
Political deposits grew $137 million (13%) to $1.2 billion, now 15.6% of GAAP deposits.
Allowance for credit losses on loans was $59.0 million (1.25% of total loans) at June 30, 2025.
Non-interest income was $8.0 million, with core non-interest income at $9.3 million; non-interest expense was $40.6 million.
Provision for credit losses increased to $4.9 million, mainly due to a specific C&I loan and consumer solar portfolio volatility.
Outlook and guidance
Maintains full-year 2025 guidance: core pre-tax pre-provision earnings of $159M–$163M and net interest income of $293M–$297M.
Q3 2025 net interest income expected between $74M–$76M; net interest margin to remain flat.
Expense run rate expected to rise in H2 due to new hires and digital transformation, but annual OpEx target remains $170M.
Year-end balance sheet growth targeted at 3%, with a 9.0% Tier 1 leverage baseline.
Management expects no material impact from recent tax legislation.
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Next Amalgamated Financial earnings date
Q3 202523 Oct, 2025
Next Amalgamated Financial earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Amalgamated Financial Corp is a bank holding company that operates through its subsidiary, Amalgamated Bank. The company provides a range of commercial and retail banking services, including loans, deposit products, cash management, and investment services. It serves clients such as businesses, nonprofits, labor organizations, and individuals, with a focus on socially responsible banking practices. Amalgamated Financial Corp also offers trust and fiduciary services, as well as investment management solutions. The company is headquartered in New York, New York, and its shares are listed on the NASDAQ.
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