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Hanover Bancorp (HNVR) investor relations material
Hanover Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.4 million, or $0.33 per diluted share, up from $0.8 million ($0.11 per share) in Q2 2024, driven by higher net interest income and lower provision for credit losses, partially offset by increased non-interest expenses and income tax expense.
The company completed a core processing system conversion in February 2025 and was added to the Russell 2000 Index in June 2025.
Opened a new branch in Port Jefferson, NY, and expanded business banking services to the legal cannabis industry in NY and NJ.
Pre-provision net revenue reached $5.7 million, with a return on average assets of 1.04%, the highest since Q1 2023.
Financial highlights
Total assets were $2.31 billion at June 30, 2025, unchanged from December 31, 2024; total deposits were $1.95 billion.
Net interest income for Q2 2025 was $14.8 million, up from $13.2 million in Q2 2024; net interest margin improved to 2.76% from 2.46%.
Provision for credit losses decreased to $2.4 million in Q2 2025 from $4.0 million in Q2 2024.
Non-interest expense increased to $12.6 million in Q2 2025 from $11.7 million in Q2 2024, mainly due to higher salaries and professional fees.
For the six months ended June 30, 2025, net income was $4.0 million ($0.53 per share), down from $4.9 million ($0.66 per share) in the prior year; adjusted net income excluding core system conversion expenses was $6.5 million ($0.87 per share).
Outlook and guidance
Management expects higher C&I and SBA loan originations in the second half of 2025, supported by an expanded business development team.
SBA loan originations are anticipated to improve as market conditions stabilize and credit standards are adjusted.
Normalized effective tax rate expected to be 25% for the remainder of 2025.
Continued focus on expanding in underserved Eastern Long Island markets and broadening municipal deposit base.
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Next Hanover Bancorp earnings date
Q3 202529 Oct, 2025
Next Hanover Bancorp earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
Hanover Bancorp, Inc. is a bank holding company based in Mineola, New York. It operates through its wholly owned subsidiary, Hanover Community Bank. The company provides a broad range of financial services, focusing on both consumer and commercial banking products. These include multi-family and commercial mortgages, residential loans, business loans, and lines of credit. Hanover Bancorp primarily serves customers in Long Island, the greater New York metropolitan area, and Freehold, New Jersey through its network of nine branches. Hanover Bancorp, Inc. is headquartered in Mineola, New York, and its shares are listed on the NASDAQ.
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