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Hanover Bancorp (HNVR) investor relations material
Hanover Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 was $3.5 million ($0.47 per diluted share), flat year-over-year and up from $2.4 million in the prior quarter, with EPS of $0.47 versus $0.48 year-over-year.
Net interest income rose by $2.1 million year-over-year, while non-interest expense decreased by $0.2 million, offset by a $1.1 million increase in provision for credit losses and a $1.2 million drop in non-interest income.
Pre-provision net revenue reached $6.0 million, the highest since Q1 2023, with a return on average assets of 1.05%.
The company completed a core system conversion in early 2025, incurring $3.2 million in one-time expenses.
Added to the Russell 2000 Index in June 2025, reflecting increased market visibility.
Financial highlights
Total assets at September 30, 2025 were $2.3 billion; total deposits were $2.0 billion; total stockholders' equity was $201.8 million.
Net interest income for Q3 2025 was $15.2 million, up 2.89% sequentially and 16.19% year-over-year.
Net interest margin improved to 2.74% in Q3 2025 from 2.37% in Q3 2024; monthly margin for September 2025 was 2.83%.
Efficiency ratio improved to 66.71% from 71.75% year-over-year.
Return on average assets was 0.61% and return on average equity was 6.90% for Q3 2025.
Outlook and guidance
Management expects C&I lending and deposit activity to grow based on the existing pipeline.
Normalized effective tax rate expected to be 25.0% for the remainder of the year.
Anticipates continued positive impact from further FOMC rate decreases and improved yield curve, supporting lending opportunities.
Strategy for multifamily loans <1x DSCR?
Mitigate SBA lending headwinds?
Impact of future rate cuts on NIM?
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Next Hanover Bancorp earnings date
Q4 202527 Jan, 2026
Next Hanover Bancorp earnings date
Q4 202527 Jan, 2026
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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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