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Financial Institutions (FISI) investor relations material
Financial Institutions Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $17.5M, up from Q1 but down from Q2 2024 due to a prior $13.5M insurance sale gain; EPS was $0.85, up sequentially but down year-over-year.
Net interest margin expanded to 3.49%, with net interest income rising 4.8% sequentially and 19.2% year-over-year.
Noninterest income was $10.6M, up 2.4% sequentially but down from $24.0M a year ago due to the insurance sale gain.
Efficiency ratio remained below 60%, with annualized ROA at 1.13% and ROE at 11.78%.
Diversified business lines include community banking, commercial lending, wealth management, and indirect auto lending.
Financial highlights
Net interest income was $49.1M, up $2.3M from Q1 2025 and $7.9M from Q2 2024.
Total loans at period end were $4.54B, flat sequentially but up 1.7% year-over-year; average loans increased 1% from Q1.
Commercial loans totaled $2.94B, flat sequentially and up 5% year-over-year; commercial business loans grew 2.4% in the quarter.
Consumer indirect balances fell 2.3% sequentially to $833.5M, with home equity loans and lines up 44% year-to-date.
Noninterest expense was $35.7M, up from Q1 and year-over-year, mainly due to higher salaries, benefits, and technology costs.
Outlook and guidance
Full-year 2025 guidance is unchanged, including NIM of 3.45%–3.55% and loan growth of 1–3%.
Noninterest income is projected at $40M–$42M for 2025, with noninterest expense guidance at $140M.
Net charge-offs to average loans expected at 0.25%–0.35% for the year.
Loan loss reserve coverage ratio expected to remain in the 104–108 basis point range.
Management expects BaaS deposit wind-down to complete in Q3 2025.
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