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Financial Institutions (FISI) investor relations material
Financial Institutions Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Reported record Q3 2025 results with net income available to common shareholders of $20.1 million ($0.99 per diluted share), up 16.5% from the prior quarter, and strong performance across commercial, consumer, and wealth management lines.
Net interest income reached a record $51.8 million, with robust noninterest income of $12.1 million, up 13.6% sequentially, and efficiency ratio improved to below 57%.
Return on average assets (ROAA) was 1.32% and return on average equity (ROAE) was 13.31%.
Achieved loan growth of 1.2% and deposit growth of 3.9%, driven by commercial lending and seasonal public deposit increases.
Efficiency ratio improved to 56.78% in Q3 2025.
Financial highlights
Net interest margin expanded to 3.65%, up 16 bps sequentially and 76 bps year-over-year.
Noninterest expense was $35.9 million, up slightly from Q2 2025, mainly due to higher salaries, technology investments, and medical claims.
Net income available to common shareholders was $20.1 million in Q3 2025.
Allowance for credit losses to total loans was 1.03% at quarter-end.
Tangible common equity (TCE) ratio improved to 8.74%; CET1 ratio at 11.15%.
Outlook and guidance
Raised full-year 2025 guidance: ROAA expected to exceed 1.15%, ROAE above 12%, and NIM guided to 3.50–3.55%.
Loan growth expected at the high end of 1–3% range; deposit growth to be flat by year-end.
Full-year expenses now expected near $141 million, about 1% above original guidance.
Efficiency ratio targeted below 59% for the year.
The wind-down of the Banking-as-a-Service (BaaS) platform, initiated in September 2024, is expected to complete in early 2026.
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