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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.
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.
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