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Western New England Bancorp (WNEB) investor relations material
Western New England Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $4.6M ($0.23/diluted share), up from $3.5M ($0.17/diluted share) in Q2 2024 and $2.3M ($0.11/diluted share) sequentially; six-month net income was $6.9M ($0.34/diluted share), up from $6.5M ($0.31/diluted share) year-over-year.
Net interest income rose 21.9% to $17.6M for Q2 2025, driven by higher interest-earning assets and improved yields; net interest margin increased to 2.80% from 2.42% year-over-year.
Total assets grew 2.2% to $2.7B since December 2024, with loan growth of 1.1% and investment securities up 2.9%.
Strong loan and core deposit growth, with commercial and industrial loans up 10.8% and residential real estate loans up 3.8% since year-end.
Quarterly cash dividend of $0.07/share declared, payable August 20, 2025.
Financial highlights
Net interest income for six months ended June 30, 2025 was $33.2M, up 11.3% year-over-year; net interest margin for the period was 2.64%, up from 2.50%.
Non-interest income for Q2 2025 was $3.4M, down 11.0% year-over-year; six-month non-interest income was $6.2M, down 5.2%.
Non-interest expense for Q2 2025 increased 9.4% to $15.7M; efficiency ratio improved to 74.4% from 78.2% year-over-year.
Book value per share at June 30, 2025 was $11.68; tangible book value per share was $11.01.
Return on average assets was 0.69% and return on average equity was 7.76% for Q2 2025.
Outlook and guidance
Management expects the balance sheet structure to positively impact earnings in the current interest rate environment.
Focus remains on disciplined capital management, continued loan growth, share repurchases, and quarterly dividends.
Management continues to monitor macroeconomic variables, including interest rates, inflation, and economic downturn risks, and believes reserves are appropriate for the current environment.
No material changes to risk factors or critical accounting policies since year-end 2024.
Explain the increase in C&I loan utilization.
Why did non-marketable equity gains decrease?
Detail the factors impacting credit loss reversals.
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Next Western New England Bancorp earnings date
Q3 202529 Oct, 2025
Next Western New England Bancorp earnings date
Q3 202529 Oct, 2025
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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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