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Northrim BanCorp (NRIM) investor relations material
Northrim BanCorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q3 2025 was $27.1M ($1.20/diluted share), up from $8.8M in Q3 2024 and $11.8M in Q2 2025, driven by a $14.2M gain from the sale of Pacific Wealth Advisors assets, higher net interest income, and increased purchased receivable income.
Adjusted net income, excluding the Pacific Wealth Advisors gain, was $16.2M ($0.72 per diluted share).
Nine-month net income was $52.2M ($2.32 per share), up from $26.0M ($1.17) year-over-year.
Return on average assets (ROAA) was 3.32% and return on average equity (ROAE) was 35.66% for Q3 2025.
A four-for-one stock split was completed in September 2025 to enhance liquidity and accessibility.
Financial highlights
Net interest income for Q3 2025 rose 23% year-over-year to $35.3M; net interest margin increased to 4.88%, up 16 bps from Q2 2025 and 53–54 bps year-over-year.
Portfolio loans grew 11% year-over-year to $2.22B; total deposits rose 11% to $2.91B.
Total assets reached $3.31B, up 2% from Q2 2025 and 12% year-over-year.
Efficiency ratio improved to 45.51% from 64.68% in Q2 2025 and 66.11% in Q3 2024.
Dividends per share were $0.16, up from $0.155 in Q3 2024.
Outlook and guidance
Management expects continued strong liquidity and capital positions, with no plans for share repurchases in 2025.
The company anticipates ongoing dividend payments from the bank subsidiary and sufficient liquidity for foreseeable needs.
Management expects continued benefits from loan repricing and lower deposit costs, supporting margins.
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