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Merchants Bancorp (MBIN) investor relations material
Merchants Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $54.7 million, down $6.6 million year-over-year but up $16.7 million sequentially from Q2 2025, reflecting a strong rebound in earnings driven by improved credit quality and disciplined execution.
Diluted EPS for Q3 2025 was $0.97, a 17% decrease year-over-year but a 62% increase from the previous quarter.
Tangible book value per common share reached a record $36.31, up 12% year-over-year and 3% sequentially.
Financial highlights
Net interest income for Q3 2025 was $128.1 million, down 4% year-over-year and flat sequentially.
Noninterest income rose 157% year-over-year to $43.0 million, driven by a 47% increase in gain on sale of loans and a 629% increase in loan servicing fees.
Noninterest expense increased 26% year-over-year to $77.3 million, mainly due to higher salaries, benefits, and credit risk transfer premium expenses.
Return on average assets was 1.16% for Q3 2025, down from 1.34% a year ago but up from 0.80% in Q2 2025.
Efficiency ratio rose to 45.16% from 41.00% a year ago.
Outlook and guidance
Management expressed confidence in sustainable performance, citing improved asset quality, strong liquidity, and core deposit growth as drivers for future opportunities and long-term stability.
Future credit loss provision trends?
Mitigate NIM impact from warehouse loan growth.
Sustain core deposit growth and funding costs.
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Next Merchants Bancorp earnings date
Q4 202529 Jan, 2026
Next Merchants Bancorp earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
Merchants Bancorp, headquartered in Carmel, Indiana, is a diversified bank holding company primarily operating through its subsidiary, Merchants Bank of Indiana. The company focuses on several key financial services, including multi-family mortgage banking, mortgage warehouse financing, and traditional community banking. Merchants Bancorp serves sectors such as residential and commercial real estate, healthcare facilities, and agriculture. Additionally, it offers a range of retail banking products and correspondent mortgage banking services. The company is known for its strong presence in the mortgage market, particularly in multi-family housing finance. Merchants Bancorp's shares are listed on the NASDAQ.
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