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Midwestone Financial Group (MOFG) investor relations material
Midwestone Financial Group 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
Net income for Q2 2025 was $10.0M ($0.48 per diluted share), impacted by an $11.9M credit loss from a single $24M CRE office loan; pre-tax, pre-provision net revenue rose 15% sequentially to $24.5M.
Achieved 7.4% annualized loan growth and 13 basis point expansion in tax equivalent net interest margin, with commercial loan production at $215M, the highest in six quarters.
Wealth management revenues rose 6% year-over-year, with net new asset growth of $13M YTD and robust SBA gain on sale revenue up 149% year-over-year.
Significant new hires and expansion in Twin Cities and Denver, including private wealth and sponsor finance teams, and a new branch in West Des Moines, IA.
Underlying earnings momentum and capital position remain strong, with efficiency ratio improved to 56.20% and tangible book value per share up 2.4% to $23.92.
Financial highlights
Net interest income for Q2 2025 was $50.0M, up $2.5M sequentially and $13.6M year-over-year, driven by higher earning asset volumes and yields, and lower funding costs.
Noninterest income was $10.2M, up $0.2M sequentially after adjusting for securities and mortgage servicing, but down $11.3M year-over-year due to a prior-year gain on sale.
Noninterest expense was $35.8M, down $0.5M sequentially, aided by $1.1M in tax credit funds and lower data processing expense.
Shareholders’ equity increased to $589M, with CET1 ratio at 11.02% as of 6/30/2025.
Diluted EPS was $0.48, down 34% sequentially and 52% year-over-year; adjusted EPS was $0.49.
Outlook and guidance
Expect mid- to high-single digit loan growth and double-digit wealth fee income growth in the second half of 2025, supported by strong pipelines and recent talent additions.
Annual expense guidance revised to $146M–$148M, reflecting recent hiring investments.
Net interest margin expected to expand by 4–5 basis points per quarter in the second half, assuming two 25bp Fed cuts.
Provision expense anticipated to normalize as the isolated CRE credit is resolved; tax rate expected to be 22–23% for the year.
Management expects the credit card portfolio sale to close in Q4 2025.
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Next Midwestone Financial Group earnings date
Q3 202524 Oct, 2025
Next Midwestone Financial Group earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
MidWestOne Financial Group, Inc. operates as the bank holding company for MidWestOne Bank that provides commercial and retail banking products and services to individuals, businesses, governmental units, and institutional customers. The Company offers a range of product and service packages, including deposit accounts and lending solutions for small businesses; financing solutions for real estate acquisition and development; mortgages to home buyers; credit cards to consumers; cash management solutions for merchants of all sizes, both online and in person; and equipment leasing solutions for business owners. The Company's loan activities are collateralized by the Company taking possession of second or third lien interest positions on various types of commercial and industrial property including those held on its own balance sheet. The Company's deposit activities include taking deposits from individuals, corporations, partnerships, trusts, estates and other entities through the bank's offices located in Iowa. MidWestOne Bank is a federal savings bank that engages in community banking business primarily in Iowa. MidWestOne Financial Group, Inc. is based in Iowa City, Iowa.
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