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The story of Tetra Pak, the Rausing family, and how a paper tetrahedron gave rise to a company that now delivers almost 180 billion packages a year.
University Bancorp
University Bancorp (UNIB) investor relations material
University Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Net income for the quarter ended September 30, 2025, was $4.02 million, with year-to-date net income reaching $8.78 million, reflecting a 2% increase year-over-year.
Total assets at the consolidated level grew to $1.13 billion, up 2.6% month-over-month, driven by increases in commercial and home equity loans.
Financial highlights
Total interest income for the year-to-date was $47.07 million, up 11% year-over-year.
Net interest margin for the year-to-date was $15.93 million, a 13% increase from the prior year.
Non-interest income (excluding FMV adjustments) reached $20.48 million year-to-date, up 3% year-over-year.
Total operating income for the year-to-date was $11.58 million, down 6% from the prior year.
Book value per share as of September 30, 2025, was $19.02.
Outlook and guidance
Loan growth remains robust, particularly in commercial and home equity segments, supporting continued asset expansion.
Management expects continued margin pressure from lower yields on loans and higher deposit costs.
Quantify YTD MTM securities impact on Bancorp.
What drives the consolidated net yield change?
Why is YTD loan loss provision below budget?
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Latest events from University Bancorp
- Q3 2024 net income increased to $2.13M, with strong commercial lending and deposit growth.UNIB
Q3 202417 Dec 2025 - Q2 net income climbed to $3.04M, with strong loan growth but softer mortgage revenues.UNIBQ2 202417 Dec 2025
- 2024 net income doubled year-over-year, with strong loan growth and new dividend policy.UNIBQ4 202417 Dec 2025
- Quarterly net loss of $231,170; bank net income $1.36M; assets at $1.02B.UNIBQ1 202517 Dec 2025
- Q2 2025 net income reached $1.91M, with book value per share up to $18.28.UNIBQ2 202517 Dec 2025
Next University Bancorp earnings date
Q4 20251 Apr, 2026
University Bancorp
Next University Bancorp earnings date
Q4 20251 Apr, 2026
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