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Edge14 Nov 2025
Ball: The King of Cans
From a 19th-century glass-jar legacy to a global plant network, Ball is now a pure-play aluminum can partner to the world's biggest beverage brands.
Banner (BANR) investor relations material
Banner Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary16 Oct, 2025
Executive summary
Net income for Q3 2025 was $53.5 million ($1.54 per diluted share), up from $45.5 million ($1.31) in Q2 2025 and $45.2 million ($1.30) in Q3 2024.
Revenue rose to $170.7 million, up 5% sequentially and 11% year-over-year.
Core earnings (pre-tax, pre-provision, excluding non-core items) were $67.8 million, up from $62.5 million in Q2 2025 and $57.4 million in Q3 2024.
Board increased quarterly cash dividend by 4% to $0.50 per share, payable November 14, 2025.
Strategic investments and strong credit quality supported performance.
Financial highlights
Net interest income for Q3 2025 was $150.0 million, up from $144.4 million in Q2 2025 and $135.7 million in Q3 2024.
Net interest margin (tax equivalent) increased to 3.98% from 3.92% in Q2 2025 and 3.72% in Q3 2024.
Efficiency ratio improved to 59.76% from 62.50% in Q2 2025 and 62.63% in Q3 2024.
Non-interest income for Q3 2025 was $20.7 million, up 17% sequentially, driven by higher gains on asset sales and improved fair value adjustments.
Allowance for credit losses on loans was $159.7 million (1.36% of total loans), covering 399% of non-performing loans.
Outlook and guidance
Management expects continued focus on originating high-quality assets, scalable growth, and maintaining a moderate risk profile.
Margin expected to remain flat with one Fed rate cut per quarter, but moderate compression anticipated if multiple cuts occur in a single quarter.
Deposit betas modeled at 28%, with similar behavior expected as in previous rate cut cycles.
Near-term earnings projected to benefit from higher interest rates, while long-term economic value of equity is more sensitive to rate changes.
Forward-looking statements caution on economic, interest rate, and geopolitical risks.
Future funding strategy after FHLB paydown
What drove higher net charge-offs this quarter?
Sustainability of efficiency ratio improvement
Balance between buybacks and M&A appetite?
Impact of multiple Fed rate cuts on NIM?
Expected benefits from technology investments?
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Frequently asked questions
Banner Corporation operates as the bank holding company for Banner Bank that provide commercial banking and financial products and services to individuals, businesses, and public sector entities in the United States. The company offers a range of deposit products, including noninterest bearing checking accounts, interest bearing checking accounts, time deposits, money market accounts, savings deposit accounts, and certificates of deposit; and lending products consisting of commercial, real estate construction and development business loan facilities and other business loans, personal loans together with home equity loans and lines of credit, residential real estate mortgage loans, personal cash advances or lines of credit through its automatic teller machines (ATMs), as well as unsecured consumer installment loans. Banner Corporation is based in Walla Walla, Washington.
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