)

Blue Foundry Bancorp (BLFY) investor relations material
Blue Foundry Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net loss of $2.0 million ($0.10 per diluted share) for Q2 2025, improving from $2.7 million in Q1 2025 and $2.3 million in Q2 2024, driven by higher net interest income and lower non-interest income.
Net interest margin expanded to 2.28% due to higher asset yields and lower liability costs, marking the third consecutive quarter of improvement.
Loans grew by $47.4 million to $1.67 billion; deposits increased by $29.1 million to $1.42 billion sequentially.
Transformation toward a more commercially focused institution continues, supported by strong capital and liquidity.
Shareholders' equity decreased by $10.9 million to $321.3 million, mainly due to share repurchases and net loss.
Financial highlights
Net interest income was $11.6 million in Q2 2025, up from $10.7 million in Q1 2025 and $9.6 million in Q2 2024.
Interest income rose to $23.4 million, while interest expense decreased to $11.8 million sequentially; cost of liabilities fell to 2.76%.
Gross loans increased $47.4 million in the quarter, with $90 million in loan production at a 7% weighted average yield.
Non-interest expense was $13.5 million, down $90 thousand sequentially but up $324 thousand year-over-year.
Efficiency ratio improved to 112.4% from 122.4% in the prior quarter.
Outlook and guidance
Management expects continued balance sheet and interest income growth, driven by loan diversification and core deposit initiatives.
Net interest margin expansion anticipated to be limited in the second half of 2025, with more significant improvement expected in 2026 as loan repricing accelerates.
Modest increase in compensation expense expected in the second half of the year due to higher variable compensation.
Consumer loan portfolio may increase to 7–8% of total loans over the next few quarters.
Management does not expect the recently enacted tax legislation to have a material impact.
Next Blue Foundry Bancorp earnings date

Next Blue Foundry Bancorp earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage