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Burke & Herbert Financial Services (BHRB) investor relations material
Burke & Herbert Financial Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $29.7 million, with diluted EPS of $1.97, unchanged from the prior quarter, and net income for the nine months ended September 30, 2025, was $86.4 million, reflecting strong profitability and the full integration of Summit Financial Group, Inc.
Total assets reached $7.9 billion, with gross loans of $5.6 billion and total deposits of $6.4 billion as of September 30, 2025.
The merger with Summit was completed on May 3, 2024, adding $34.1 million of goodwill and $68.8 million of core deposit intangibles.
The institution maintains a community banking focus, emphasizing customer relationships and a moderate risk profile.
Opened a new branch in Bethesda, Maryland, with newer Virginia markets exceeding expectations.
Financial highlights
Net interest income for Q3 2025 was $73.8 million, and for the nine months ended September 30, 2025, was $221.0 million, up from $155.1 million year-over-year.
Non-interest income for Q3 2025 was $11.6 million, and for the nine months was $34.5 million, up 41.5% year-over-year.
Efficiency ratio improved to 56.34% for Q3 2025 and 57.56% for the nine months, reflecting post-merger efficiency gains.
Allowance for credit losses was 1.22% of total loans, with provision for credit losses at $1.4 million for the nine months.
Book value per common share was $54.02, with tangible book value at $48.72, up 15.8% from 4Q24.
Outlook and guidance
Management anticipates a strong close to 2025, focusing on expanding into attractive markets, growing fee revenue, and maintaining a moderate risk profile.
Continued benefits from merger synergies and operating efficiencies are expected.
The commercial real estate sector remains under close watch due to market volatility, with potential support from return-to-office mandates and lower interest rates.
The company maintains a strong liquidity position and capital adequacy, with $4.2 billion in unused borrowing capacity.
Impact of non-strategic loan exits on Q3?
How did deposit mix impact funding costs?
Reconcile NPL increase with lower charge-offs
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Next Burke & Herbert Financial Services earnings date
Q4 202522 Jan, 2026
Next Burke & Herbert Financial Services earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Burke & Herbert Financial Services Corp. is the bank holding company for Burke & Herbert Bank & Trust Company, one of the oldest continuously operating banks in the Washington, D.C. metropolitan area. The company provides a wide array of financial services, including business and personal banking solutions such as deposits, loans, and investment products. Additionally, Burke & Herbert offers fiduciary services, wealth management, and generates income from service fees related to debit cards, ATMs, and other banking operations. The company is headquartered in Alexandria, Virginia, and its shares are listed on tbe NASDAQ.
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