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Blue Foundry Bancorp (BLFY) investor relations material
Blue Foundry Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net loss for Q3 2025 was $1.9 million, improving from $2 million in Q2 2025 and $4 million in Q3 2024; year-to-date net loss was $6.5 million, down from $9.2 million in the prior year.
Net interest margin expanded to 2.34% in Q3 2025, up six basis points sequentially and 52 basis points year-over-year.
Net interest income rose to $12.2 million for Q3 2025, up $551,000 from the prior quarter and $3.1 million year-over-year.
Strategic focus on growing core deposits, diversifying the loan portfolio, and expanding net interest margin.
Total assets increased to $2.16 billion at September 30, 2025, from $2.06 billion at year-end 2024.
Financial highlights
Loans increased $41.9 million sequentially to $1.71 billion; deposits rose $77.1 million to $1.49 billion in Q3 2025.
Non-interest expense increased to $13.9 million in Q3 2025, mainly due to higher compensation and professional services.
Provision for credit losses was $589,000 in Q3 2025, driven by loan growth and economic forecast adjustments.
Yield on average interest-earning assets increased to 4.67%; cost of average interest-bearing liabilities declined to 2.72%.
Efficiency ratio improved to 110.2% in Q3 2025 from 140.0% in Q3 2024.
Outlook and guidance
Management expects continued balance sheet and interest income growth through portfolio diversification and full banking relationships.
Net interest margin anticipated to remain flat in Q4, with meaningful pickup expected in 2026 as loans reprice.
Sufficient liquidity to meet loan origination and credit commitments, with $423 million in borrowing capacity.
No specific expense guidance for 2026 as strategic planning is ongoing.
No material impact expected from recent tax legislation; full valuation allowance on deferred tax assets maintained.
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Next Blue Foundry Bancorp earnings date
Q4 202521 Jan, 2026
Next Blue Foundry Bancorp earnings date
Q4 202521 Jan, 2026
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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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