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BankUnited (BKU) investor relations material
BankUnited Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 was $71.9 million ($0.95 per share), up 5% quarter-over-quarter and from $61.5 million ($0.81) in Q3 2024, with annualized ROA of 0.82% and ROE of 9.5%.
Net interest margin reached 3.00%, up from 2.93% in Q2 2025 and 2.78% a year ago, achieving the near-term target.
Tangible book value per share increased 8% year-over-year to $39.27.
Deposit and loan trends aligned with expectations; CRE and mortgage warehouse loans grew, while C&I loans declined due to payoffs.
Opened new commercial banking offices in Morristown, NJ and Charlotte, NC.
Financial highlights
Net interest income for Q3 2025 was $250.1 million, up $4 million sequentially and $16 million year-over-year.
Provision for credit losses was $11.6 million, down from $15.7 million in Q2 2025 but up from $9.2 million in Q3 2024.
Non-interest income (excluding lease financing) grew 24% year-over-year, totaling $25.6 million.
Non-interest expense was $166.2 million, up $2 million from Q2 2025 and $1 million from Q3 2024.
Average non-interest demand deposits increased $210 million quarter-over-quarter and $741 million year-over-year.
Outlook and guidance
Margin expected to remain flat in Q4; double-digit NIDDA growth for the year is on track.
Total loans likely flat year-over-year; core C&I loans expected to show low single-digit growth.
Securities portfolio anticipated to decline in Q4 but remain up slightly year-over-year.
Continued focus on margin expansion through funding mix and asset sensitivity.
Guidance assumes two rate cuts in 2025.
FHLB hedge expiration impact on future NIM?
Details on specific CRE office loan reserve?
Rationale for residential loan portfolio decline?
Describe key drivers of fee income growth
Discuss 2026 loan growth inflection point
Elaborate on capital deployment strategy
Detail core fee income growth drivers
What is the outlook for loan growth post-remixing?
Capital deployment strategy for 2026?
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Next BankUnited earnings date
Q4 202521 Jan, 2026
Next BankUnited earnings date
Q4 202521 Jan, 2026
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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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