Flushing Financial Corporation 3Q25 Reports Double Digit Basis Point Increase in GAAP and Core NIM, and Noninterest Deposit Growth; GAAP and Core EPS of $0.30 and $0.35, Respectively

About this update from Flushing Financial Corporation

[{"type":"text","content":" "Flushing Financial delivered strong results for the third quarter, with a 10 basis-point sequential expansion in both GAAP and Core net interest margin. These quarterly results marked a turning point for the Company and demonstrate the successful execution of our strategic priorities and the effectiveness of our balance sheet repositioning initiatives. The 5.7% year-over-year growth in average noninterest-bearing deposits, which now represents 12.2% of total deposits, reflects the strength of our customer relationships and provides us with a stable, low-cost funding base. Our tangible common equity ratio of 8.01% for the quarter was a considerable 101 basis-point improvement from a year ago, underscoring our commitment to maintaining robust capital levels. With our strong loan pipeline of $345.6 million and substantial liquidity position of $3.9 billion, we remain confident in our ability to navigate the evolving macroeconomic landscape. We will continue to adhere to our disciplined underwriting standards and proactive risk management practices as we remain focused on driving sustainable growth, increased profitability and creating long-term shareholder value." - John R. Buran, President and CEO ","length":1225,"tagName":"p"},{"type":"text","content":" UNIONDALE, NY / ACCESS Newswire / October 29, 2025 / GAAP and Core NIM Expansion and Average Noninterest Deposit Growth. The Company reported 3Q25 GAAP and Core EPS of $0.30 and $0.35, compared to $0.30 and $0.26, respectively, a year ago. During the quarter, NIM expanded on both a GAAP and Core basis by 10 bps QoQ to 2.64% and 2.62%, respectively, primarily driven by assets repricing and growth of the noninterest bearing deposits. Average loans decreased 2.1% YoY and 1.2 % QoQ, due to maintaining pricing and credit discipline. Maintaining these disciplined standards resulted in the Bank's CRE concentration declining to 475% at September 30, 2025, compared to 521% a year ago and 493% at the prior quarter end.","length":722,"tagName":"p"},{"type":"text","content":" Credit Metrics and Capital Remain Stable QoQ. NPAs to assets were 70 bps, compared to 75 bps the prior quarter. Criticized and classified loans totaled 111 bps of gross loans compared to 108 bps in the prior quarter. Net charge-offs to average loans were 7 bps in 3Q25 compared to 15 bps in 2Q25. TCE/TA 1 was 8.01% at September 30, 2025, compared to 8.04% at June 30, 2025.","length":373,"tagName":"p"},{"type":"text","content":" Key Financial Metrics 2 ","length":22,"tagName":"p","attribs":{}},{"type":"table","headerItems":[],"items":[{"val":[{"rowspan":"1","style":"padding:0in;vertical-align:bottom;width:25%;","val":[]},{"style":"padding-bottom:2px;vertical-align:bottom;width:1%;","val":[]},{"style":"border-bottom:2px solid windowtext;text-align:center;vertical-align:bottom;width:1%;","val":[]},{"colspan":"1","style":"border-bottom:2px solid windowtext;text-align:center;vertical-align:bottom;width:8%;","val":[{"type":"text","content":" 3Q25 ","length":4,"tagName":"p"}]},{"style":"padding-bottom:2px;text-align:center;vertical-align:bottom;width:1%;","val":[]},{"style":"padding-bottom:2px;text-align:center;vertical-align:bottom;width:1%;","val":[]},{"style":"border-bottom:2px solid 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