BankUnited, Inc. Reports Second Quarter 2025 Results

About this update from Bankunited, Inc.

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(the "Company") (NYSE: BKU) today announced financial results for the quarter ended June 30, 2025.","length":176,"tagName":"p"},{"type":"text","content":""This was an outstanding quarter - we continued to deliver on key priorities with strong NIDDA growth and continued margin expansion," said Rajinder Singh, Chairman, President and Chief Executive Officer.","length":214,"tagName":"p"},{"type":"text","content":"For the quarter ended June 30, 2025, the Company reported net income of $68.8 million, or $0.91 per diluted share, an 18% increase over $58.5 million, or $0.78 per diluted share for the immediately preceding quarter ended March 31, 2025. For the quarter ended June 30, 2024, net income was $53.7 million, or $0.72 per diluted share. For the six months ended June 30, 2025, net income was $127.2 million, or $1.68 per diluted share compared to $101.7 million, or $1.36 per diluted share for the six months ended June 30, 2024, an increase of 25%.","length":545,"tagName":"p"},{"type":"text","content":" Quarterly Highlights ","length":20,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"As expected, the net interest margin, calculated on a tax-equivalent basis, expanded by 0.12%, to 2.93% for the quarter ended June 30, 2025 from 2.81% for the immediately preceding quarter. Net interest income grew by $13.0 million, or 5.6% compared to the prior quarter.","length":271,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The Company's funding profile continued to improve this quarter. Non-interest bearing demand deposits ("NIDDA") grew by $1.0 billion, or 13%, to 32% of total deposits, up from 29% at March 31, 2025. NIDDA was also up $1.0 billion compared to June 30, 2024, one year ago. Average NIDDA grew $581 million for the quarter ended June 30, 2025.","length":353,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Non-brokered deposits grew by $1.2 billion, or 5.1%, for the quarter ended June 30, 2025 while total deposits grew by $588 million.","length":131,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The average cost of total deposits declined by 0.11% to 2.47% for the quarter ended June 30, 2025 from 2.58% for the immediately preceding quarter ended March 31, 2025. The spot APY of total deposits declined by 0.15% to 2.37% at June 30, 2025 from 2.52% at March 31, 2025. The spot APY of total deposits was 3.09% at June 30, 2024, one year ago.","length":346,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Wholesale funding, including FHLB advances and brokered deposits, declined by $749 million for the quarter ended June 30, 2025.","length":127,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"For the quarter ended June 30, 2025, CRE loans grew by $267 million, largely in line with our expectations. C&I loans declined by $199 million; a continued high level of unscheduled payoffs and some strategic exits impacted C&I growth. Consistent with our balance sheet strategy, the residential, franchise, equipment and municipal finance portfolios declined by a combined $171 million. Total loans declined by $56 million for the quarter ended June 30, 2025.","length":468,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The loan to deposit ratio declined to 83.6% at June 30, 2025, from 85.5% at March 31, 2025.","length":91,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"With respect to credit, total criticized and classified loans declined by $156 million for the quarter ended June 30, 2025. We experienced net migration of $117 million of loans to non-accrual for the quarter, the majority of which, not unexpectedly, was attributable to office exposure. The NPA ratio at June 30, 2025 was 1.08%, including 0.10% related to the guaranteed portion of non-accrual SBA loans, compared to 0.76%, including 0.09% related to the guaranteed portion of non-accrual SBA loans, at March 31, 2025. The annualized net charge-off ratio for the six months ended June 30, 2025 was 0.27%; the net charge-off ratio for the trailing twelve months was 0.23%.","length":672,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The ratio of the ACL to total loans was 0.93% at June 30, 2025, compared to 0.92% at the prior quarter-end. The ratio of the ACL to non-performing loans was 59.18%. The ACL to loans ratio for commercial portfolio sub-segments including C&I, CRE, franchise finance and equipment finance was 1.36% at June 30, 2025 and the ACL to loans ratio for CRE office loans was 1.92%. The provision for credit losses was $15.7 million for the quarter ended June 30, 2025 compared to $15.1 million for the preceding quarter.","length":514,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"At June 30, 2025, the weighted average LTV of the CRE portfolio was 54.2%, the weighted average DSCR was 1.76, 51% of the portfolio was collateralized by properties located in Florida and 24% was collateralized by properties located in the New York tri-state area. For the office sub-segment, the weighted average LTV was 63.3%, the weighted average DSCR was 1.52, 59% was collateralized by properties in Florida, substantially all of which was suburban, and 22% was collateralized by properties located in the New York tri-state area.","length":535,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Our capital position is robust. At June 30, 2025, CET1 was 12.2% at a consolidated level. Pro-forma CET1 including accumulated other comprehensive income was 11.3% at June 30, 2025. The ratio of tangible common equity to tangible assets increased to 8.1% at June 30, 2025.","length":272,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Book value and tangible book value per common share continued to accrete, to $39.26 and $38.23, respectively, at June 30, 2025 compared to $38.51 and $37.48, respectively, at March 31, 2025 and $36.11 and $35.07, respectively, at June 30, 2024. This represents a 9% year-over-year increase in tangible book value per share.","length":323,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"As previously announced, we are excited about the launch of new wholesale banking offices in Morristown, NJ and Charlotte, NC.","length":126,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"On July 22, 2025, the Company's Board of Directors authorized the repurchase of up to $100 million in shares of its outstanding common stock. Any repurchases will be made in accordance with applicable securities laws from time to time in open market or private transactions. The extent to which the Company repurchases shares, and the timing of such repurchases, will depend upon a variety of factors, including market conditions, the Company’s capital position and amount of retained earnings, regulatory requirements and other considerations. No time limit was set for the completion of the share repurchase program, and the program may be suspended or discontinued at any time.","length":684,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"On July 22, 2025, the Company's Board of Directors authorized the redemption of all of its outstanding 4.875% senior notes due November 2025.","length":145,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":5058,"olType":false},{"type":"readMore"},{"type":"text","content":" Loans ","length":5,"tagName":"p"},{"type":"text","content":"Loan portfolio composition at the dates indicated follows (dollars in thousands):","length":81,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;width:23%;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"5","rowspan":"1","style":"vertical-align:bottom;border-bottom:solid black 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