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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.
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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