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Western New England Bancorp (WNEB) investor relations material
Western New England 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 $3.2 million ($0.16 per diluted share), up from $1.9 million ($0.09 per share) in Q3 2024, but down from $4.6 million ($0.23 per share) in Q2 2025; nine-month net income was $10.1 million ($0.50 per share), up from $8.4 million ($0.40 per share) year-over-year.
Net interest income rose 22.8% year-over-year for the quarter, driven by higher interest-earning assets and improved yields, while interest expense declined.
Total assets increased 3.1% since year-end 2024, reaching $2.7 billion, with loan growth and higher investment securities balances.
Quarterly cash dividend of $0.07 per share declared, payable November 26, 2025.
Financial highlights
Net interest income for Q3 2025 was $18.1 million, up from $14.7 million in Q3 2024; nine-month net interest income was $51.3 million, up 15.1% year-over-year.
Net interest margin for Q3 2025 was 2.81%, up from 2.40% in Q3 2024; nine-month margin was 2.70%, up from 2.46%.
Non-interest income for Q3 2025 was $3.2 million, up 1.0% year-over-year.
Non-interest expense for Q3 2025 increased 9.5% year-over-year to $15.8 million.
Efficiency ratio improved to 74.2% for Q3 2025 from 80.6% in Q3 2024; nine-month efficiency ratio was 76.9%, improved from 80.3% in 2024.
Outlook and guidance
Management continues to monitor macroeconomic variables, including interest rates, inflation, and economic downturn risks, and believes reserves are appropriate for the current environment.
Management remains focused on disciplined capital management, continued loan and core deposit growth, and ongoing share repurchases and dividends.
No material changes to risk factors or critical accounting policies were reported for the period.
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Next Western New England Bancorp earnings date
Q4 202528 Jan, 2026
Next Western New England Bancorp earnings date
Q4 202528 Jan, 2026
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Frequently asked questions
Western New England Bancorp, Inc. operates as the holding company for Westfield Bank, which offers a variety of commercial and retail banking services to both individual and business customers. The company’s offerings include various deposit accounts such as checking, savings, money market, and certificates of deposit. It also provides a range of loans, including residential mortgages, commercial and industrial loans, commercial real estate loans, and consumer loans like auto and personal lines of credit. Additionally, Western New England Bancorp offers services such as online and mobile banking, cash management, and ATM access. The company is headquartered in Westfield, Massachusetts, and its shares are listed on the NASDAQ.
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