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Brookline Bancorp (BRKL) investor relations material
Brookline Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $22.0 million, or $0.25 per share, up 34.5% year-over-year, with operating earnings of $22.4 million excluding merger-related expenses.
Customer deposits increased by $59 million, while the loan portfolio contracted by $61 million, mainly due to a $95 million reduction in commercial real estate loans.
Net interest margin expanded to 3.32%, up 10 basis points sequentially and 32 basis points year-over-year.
The merger with Berkshire Hills Bancorp is progressing, with all stockholder approvals received and closing targeted for the second half of 2025; system conversion is planned for February 2026.
Quarterly dividend of $0.135 per share declared, payable August 22, 2025.
Financial highlights
Net interest income rose to $88.7 million, up $2.9 million sequentially and $8.7 million year-over-year, driven by lower funding costs and higher loan yields.
Non-interest income for Q2 2025 was $6.0 million, with higher loan sale gains but lower deposit and loan fees year-over-year.
Non-interest expense, excluding merger charges, was $57.7 million, down $1.3 million from Q1; total non-interest expense was $58.1 million.
Provision for credit losses increased to $7.0 million, up $1.0 million sequentially and $1.4 million year-over-year, reflecting stress in the Boston office sector.
Net charge-offs totaled $5.1 million, mainly from two impaired CRE loans sold during the quarter.
Outlook and guidance
Net interest margin is expected to remain stable or improve slightly in Q3, with sensitivity to deposit pricing and funding mix.
Loan portfolio growth projected in the low single digits for the remainder of 2025, with deposit growth anticipated at 4–5%.
Non-interest income forecasted at $5.5–$6.5 million per quarter.
Effective tax rate expected at 24.25%, excluding non-deductible merger charges.
Merger with Berkshire Hills Bancorp anticipated to close in H2 2025, with system conversion in February 2026 and projected cost savings and EPS accretion for 2026.
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Frequently asked questions
Brookline Bancorp Inc is a bank holding company that provides a range of commercial and retail banking services through its subsidiary banks. The company offers products including business and personal loans, deposit accounts, cash management, and investment services. Its customer base includes small to mid-sized businesses, real estate developers and investors, and individual consumers. Brookline Bancorp Inc is headquartered in Boston, Massachusetts, and its shares are listed on the NASDAQ.
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