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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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BankFinancial (BFIN) investor relations material
BankFinancial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Reported a net loss of $359,000, or $(0.03) per share, for Q2 2025, compared to net income of $2.1 million in Q2 2024.
Total assets were $1.429 billion, loans $796.0 million, deposits $1.216 billion, and equity $156.0 million as of June 30, 2025.
Net interest income declined due to lower balances in healthcare finance and equipment finance portfolios.
Noninterest income rose, driven by higher deposit service charges and a $417,000 bank-owned life insurance death benefit.
Noninterest expense increased, mainly from higher marketing, professional fees, and nonperforming asset costs.
Financial highlights
Net interest income for Q2 2025 was $11.3 million, down from $12.6 million in Q2 2024.
Noninterest income increased 53.5% year-over-year to $2.0 million in Q2 2025.
Noninterest expense rose 6.4% to $11.8 million in Q2 2025.
Net loss for Q2 2025 was $359,000, compared to net income of $2.1 million in Q2 2024.
Allowance for credit losses increased to 1.13% of total loans at June 30, 2025, from 0.85% at December 31, 2024.
Outlook and guidance
Management expects sufficient liquidity to meet commitments and no known trends likely to materially impact liquidity as of June 30, 2025.
The company is evaluating the impact of recent federal tax law changes on future periods.
What is the status of the $8.4M US Gov loan?
What drove the NIM decline in Q2 2025?
What caused the increase in professional fees?
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Next BankFinancial earnings date
Q3 20257 Nov, 2025
Next BankFinancial earnings date
Q3 20257 Nov, 2025
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Frequently asked questions
BankFinancial Corporation operates as a bank holding company for BankFinancial, National Association. It offers personal, business, and commercial banking services including deposits, loans, treasury management, and trust services. The company primarily serves individuals, small businesses, and middle-market commercial customers. BankFinancial Corporation is headquartered in Burr Ridge, Illinois, and its shares are listed on the NASDAQ.
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