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ConnectOne Bancorp (CNOB) investor relations material
ConnectOne Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Completed the largest merger in company history with The First of Long Island Corporation (FLIC) on June 1, 2025, adding 36 branches and expanding presence in Long Island and NYC boroughs, significantly increasing scale and market presence.
Achieved strong client and deposit retention, with record organic core deposit growth and successful systems conversion within 30 days of merger close.
Net loss available to common stockholders was $21.8M for Q2 2025, compared to net income of $17.5M in Q2 2024, driven by merger expenses and higher credit loss provisions.
Operating net income (excluding merger-related and credit loss provisions) was $23.1M, up from $19.7M in Q1 2025 and $17.9M in Q2 2024.
Enhanced client experience through proactive measures, including tripling call center capacity and direct client engagement.
Financial highlights
Assets reached nearly $14B, loans at $11.2B, and deposits at $11.3B as of June 30, 2025; market capitalization exceeds $1.2B.
Net interest income for Q2 2025 was $78.9M, up from $61.4M in Q2 2024; net interest margin widened to 3.06% from 2.72% year-over-year.
Noninterest income rose to $5.2M in Q2 2025 from $4.4M in Q2 2024, mainly from deposit, loan, and BOLI income.
Noninterest expenses surged to $73.6M in Q2 2025, primarily due to $30.7M in merger expenses.
Provision for credit losses was $35.7M in Q2 2025 (including $27.4M initial provision from FLIC merger), up from $2.5M in Q2 2024.
Outlook and guidance
Management expects further integration of FLIC to yield synergies and economies of scale, with strong client retention and new client onboarding.
Net interest margin expected to expand by 10 basis points in each of Q3 and Q4, reaching about 3.25% for the full year; further expansion anticipated in 2026.
Return on assets projected at 1.2% and return on tangible common equity at 15% heading into 2026.
Loan growth expected in the low to mid-single digits for the next six months, with strong demand but offset by elevated payoffs.
Capital and liquidity positions remain strong, supporting future growth and regulatory compliance.
Explain the impact of FLIC merger on noninterest income.
How did the CRE workout affect nonperforming assets?
Detail the estimated state tax liability from dividends.
What's the projected quarterly earnings accretion for 2025?
How did the merger impact CECL modeling?
What cap rates were used for purchase accounting?
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Next ConnectOne Bancorp earnings date
Q3 202530 Oct, 2025
Next ConnectOne Bancorp earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
ConnectOne Bancorp Inc is a bank holding company that provides commercial and personal banking services through its subsidiary, ConnectOne Bank. The company offers a range of financial products including business and consumer loans, deposit accounts, cash management solutions, and digital banking services. It serves small to mid-sized businesses, entrepreneurs, professionals, and individuals, primarily across the New York and New Jersey metropolitan areas. ConnectOne Bancorp also provides real estate financing and other specialized lending solutions. The company is headquartered in Englewood Cliffs, New Jersey, and its shares are listed on the NASDAQ.
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