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Visual22 Oct 2025
Epiroc's cash spent on M&A
Flushing Financial (FFIC) investor relations material
Flushing Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
GAAP EPS rose 128% and Core EPS 78% year-over-year for 2Q25, with net income of $14.2M, reflecting strategic execution and balance sheet repositioning.
Net interest margin expanded 49 bps YoY and 3 bps QoQ to 2.54%, with Core NIM at 2.52%.
Average total deposits grew 6% year-over-year and 1% quarter over quarter to $7.6B, with noninterest-bearing deposits up 6.4% YoY and 2.4% QoQ.
Tangible common equity to tangible assets improved to 8.04%, up 25 bps QoQ and 92 bps YoY.
Credit metrics remained stable to improving, with net charge-offs at 15 bps and criticized/classified loans at 1.08% of gross loans.
Financial highlights
Net interest income for Q2 2025: $53.2M, up 24.4% year-over-year; core NII FTE at $53.0M.
Non-interest income increased 143.8% in Q2 2025, mainly from loan sale gains, BOLI income, and fair value adjustments.
Checking account openings rose 21% year-over-year and 8% quarter over quarter.
Pre-provision pre-tax net revenue reached $23.1M, the highest since 3Q22.
Efficiency ratio improved to 67.7% from 82.6% YoY.
Outlook and guidance
Total assets expected to remain stable; loan growth will be market dependent.
Net interest margin outlook influenced by CD maturities, loan repricing, seasonal deposit outflows, and yield curve shape.
Core non-interest expense growth guidance lowered to 4.5%-5.5% for 2025.
Effective tax rate expected between 24.5%-26.5% for the remainder of 2025.
Management anticipates continued NIM expansion and profitability improvements in the second half of 2025.
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Next Flushing Financial earnings date
Q3 202530 Oct, 2025
Next Flushing Financial earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
Flushing Financial Corporation is a bank holding company offering a range of financial services through its principal subsidiary, Flushing Bank. The company provides commercial and retail banking, including deposits, real estate loans, business loans, and personal financial services. It operates in the New York metropolitan area, serving individuals, businesses, and public entities. The company is headquartered in Uniondale, New York, and its shares are listed on the NASDAQ.
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