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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.
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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