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First Northwest Bancorp (FNWB) investor relations material
First Northwest 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 of $3.7 million for Q2 2025 reversed prior losses, with EPS at $0.42, driven by lower provision for credit losses and reduced noninterest expense, despite a decline in noninterest income and higher tax provision.
For the six months ended June 30, 2025, a net loss of $5.4 million was recorded, compared to net income of $1.8 million for the same period in 2024, mainly due to higher provision for credit losses and increased noninterest expense.
Adjusted PPNR improved to $2.1 million, marking the fifth consecutive quarter of growth.
Board did not declare a dividend for Q2 2025, citing prudent capital management.
CEO search is ongoing; legal matters and management turnover continue to be actively managed.
Financial highlights
Net interest margin improved to 2.83% in Q2 2025 from 2.76% in Q2 2024 and Q1 2025.
Net interest income for Q2 2025 was $14.19 million, nearly flat year-over-year, as lower asset yields were offset by reduced funding costs.
Provision for credit losses was a $360,000 recapture in Q2 2025, compared to an $8.7 million provision in Q2 2024; for the six months, provision was $7.5 million, down from $9.9 million year-over-year.
Noninterest income fell 70.5% to $2.2 million in Q2 2025, mainly due to the absence of a prior-year $7.9 million gain on sale-leaseback and a $2.1 million loss on securities.
Noninterest expense dropped 18.2% to $12.8 million in Q2 2025, aided by a $2.6 million employee retention credit and workforce reductions.
Outlook and guidance
Management and board remain focused on controlling expenses, improving earnings, and managing credit risk amid economic uncertainty and competitive deposit markets.
The company expects continued competition for deposits and is adjusting rates and products to retain and attract balances.
Ongoing monitoring of economic conditions and credit quality is emphasized, with the allowance for credit losses considered adequate as of June 30, 2025.
Future dividend decisions will be evaluated in light of long-term strategy.
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Next First Northwest Bancorp earnings date
Q3 20254 Nov, 2025
Next First Northwest Bancorp earnings date
Q3 20254 Nov, 2025
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Frequently asked questions
First Northwest Bancorp is the holding company for First Fed Bank, offering a broad range of banking services primarily in the Pacific Northwest. The company provides personal and business banking solutions, including checking and savings accounts, home and commercial loans, and credit options. Through its subsidiary, First Fed Bank, it also offers digital banking services, treasury management, and investment products to support both individual and commercial financial goals. The company is headquartered in Port Angeles, Washington, and its shares are listed on the NASDAQ.
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