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BankUnited (BKU) investor relations material
BankUnited Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net income for Q2 2025 was $68.8M ($0.91/share), up 18% sequentially and 28% year-over-year, with EPS rising from $0.78 in Q1'25 and $0.72 in Q2'24.
Net interest margin expanded to 2.93%, and return on equity improved to 9.4%.
Non-brokered deposits grew by $1.2B (5.1%), with non-interest DDA up 13% to 32% of total deposits.
Opened new wholesale banking offices in Morristown, NJ, and Charlotte, NC, supporting strategic expansion.
Board authorized up to $100M in share repurchases and redemption of all outstanding 4.875% senior notes due November 2025.
Financial highlights
Net interest income rose to $246M, up 5.6% sequentially and 9% year-over-year.
Net interest margin expanded by 12 bps to 2.93%; average cost of total deposits declined to 2.47%.
CRE loans grew by $267M; C&I loans declined by $199M; total loans declined by $56M.
Provision for credit losses was $15.7M, up slightly from the prior quarter.
Tangible book value per share increased 9% year-over-year to $38.23.
Outlook and guidance
Management expects continued margin expansion, improved funding mix, and disciplined loan growth.
Double-digit NIDDA growth achieved at 20% year-to-date; solid double-digit growth expected for the full year.
Loan growth expected in low single digits overall, with core C&I and CRE in mid-single digits.
Share repurchase program and senior note redemption provide flexibility for capital management.
Forward-looking statements highlight risks from economic and industry factors.
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Next BankUnited earnings date
Q3 202522 Oct, 2025
Next BankUnited earnings date
Q3 202522 Oct, 2025
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Frequently asked questions
BankUnited, Inc. operates as the bank holding company for BankUnited, a national banking association that provides a range of banking services in the United States. It accepts deposit products, such as checking accounts, NOW accounts, money market accounts, time deposits, and savings and individual retirement accounts; corporate deposits; certificates of deposit; domestic public funds deposits; and sweep-in accounts. The company’s loan products comprise residential real estate loans comprising first lien mortgage loans secured by residential properties located in one to four family dwellings, other than the borrower's primary residence; second lien home equity loans secured by the borrower’s primary residence and home equity lines of credit secured by the borrower’s primary residence; commercial real estate property loans secured by one to four family dwellings or multifamily residential buildings, as well as farm and ranch property loans secured by agricultural properties; construction real estate loans secured by a borrower's development project to fund construction costs expended on land acquisition and vertical construction; commercial business loans to fund short-term working capital or operating needs and long-term fixed asset purchases.
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