Amalgamated Financial Corp. Reports Fourth Quarter 2025 Financial Results: Record Quarterly Deposit Growth of Nearly $1 Billion

About this update from Amalgamated Financial Corp.

[{"type":"text","content":"Net Interest Margin Rises to 3.66% | Common Equity Tier 1 Capital Ratio of 14.26%","length":81,"tagName":"p","attribs":{}},{"type":"text","content":"NEW YORK, January 22, 2026--(BUSINESS WIRE)--Amalgamated Financial Corp. (the "Company" or "Amalgamated") (Nasdaq: AMAL), the holding company for Amalgamated Bank (the "Bank"), today announced financial results for the fourth quarter and full year ended December 31, 2025.","length":302,"tagName":"p"},{"type":"text","content":"Fourth Quarter 2025 Highlights (on a linked quarter basis)","length":58,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Net income of $26.6 million, or $0.88 per diluted share, compared to $26.8 million, or $0.88 per diluted share.","length":111,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Core net income1 of $30.0 million, or $0.99 per diluted share, compared to $27.6 million, or $0.91 per diluted share.","length":117,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":228,"olType":false},{"type":"text","content":"Deposits and Liquidity","length":22,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"On-balance sheet deposits increased $179.2 million, or 2.3%, to $7.9 billion.","length":77,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Off-balance sheet deposits increased $789.2 million, or 11.1%, to $1.1 billion.","length":79,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Political deposits increased $286.9 million, or 19.9%, to $1.7 billion, comprising both on and off-balance sheet deposits.","length":122,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Average cost of deposits decreased 16 basis points to 151 basis points, where non-interest-bearing deposits comprised 41% of total deposits, up from 37% in the prior quarter.","length":174,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Cash and borrowing capacity totaled $4.3 billion (immediately available) plus unpledged securities (two-day availability) of $486.0 million for total liquidity within two-days of $4.7 billion (103% of total uninsured deposits).","length":227,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":679,"olType":false},{"type":"text","content":"Margin, NII, and Assets","length":23,...

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