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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.
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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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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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