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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.Q2 2025 earnings summary30 Jul, 2025
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.
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Next Blue Foundry Bancorp earnings date
Q3 202529 Oct, 2025
Next Blue Foundry Bancorp earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
Blue Foundry Bancorp is a bank holding company that provides financial services through its subsidiary, Blue Foundry Bank. The bank offers a range of personal and business banking products, including savings accounts, checking accounts, loans, and digital banking services. Blue Foundry Bancorp serves individuals, small businesses, and communities, focusing on customer-centric financial solutions. The company is headquartered in Rutherford, New Jersey, and its shares are listed on the NASDAQ.
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