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Banner (BANR) investor relations material
Banner Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Net income for Q2 2025 was $45.5M ($1.31 per diluted share), up from $39.8M ($1.15) year-over-year and $45.1M ($1.30) sequentially.
Revenue grew to $163M, up from $150M in Q2 2024 and $160.2M in Q1 2025.
Net interest margin (tax equivalent) held steady at 3.92% quarter-over-quarter, up from 3.70% a year ago.
Core deposits represented 89% of total deposits at quarter-end.
Dividend of $0.48 per share declared for Q2 2025, payable in August.
Financial highlights
Return on average assets was 1.13% for Q2 2025.
Efficiency ratio improved to 62.50% (GAAP), with adjusted ratio at 60.28%.
Allowance for credit losses was $160.5M (1.37% of total loans), covering 373% of non-performing loans.
Non-performing assets were $49.8M (0.30% of total assets), up from $33.3M (0.21%) a year ago.
Loan originations reached $967M for the quarter, with loan outstandings up $252M (9% annualized) and 5% year-over-year.
Outlook and guidance
Management expects mid-single digit loan growth for 2025, with Q3 typically slower than Q2.
Margin outlook remains positive if Fed holds rates; loan yields expected to rise 4-5 bps per quarter.
Deposit growth anticipated in Q3 due to seasonal inflows, potentially outpacing loan growth.
IT and nonrecurring expenses expected to increase in H2 2025 due to system rollouts and back office consolidation.
Focus on scalable growth, core banking competency, and maintaining a moderate risk profile.
What's driving the increase in IT expenses?
How will tariffs impact West Coast economies?
Detail the expected loan yield expansion.
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Q3 202516 Oct, 2025
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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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