Flushing Financial Corporation Reports 4Q25 and Full Year 2025 Results; Continued Net Interest Margin Expansion and Noninterest Deposit Growth; 4Q25 GAAP and Core EPS of $0.12 and $0.32, Respectively

About this update from Flushing Financial Corporation

[{"type":"text","content":" "Flushing Financial's fourth quarter and full-year 2025 results underscore the strength and resilience of our franchise. Net interest margin expanded 4 basis points to 2.68%, with Core NIM reaching 2.66%, driven by favorable deposit mix and declining funding costs. Average noninterest-bearing deposits increased 12% year-over-year to 13% of total deposits, providing a stable, low-cost funding base. Our tangible common equity ratio improved to 8.14%, up 32 basis points from a year ago, while our CRE concentration declined to 465% from 522% a year earlier, reflecting our strategic capital and balance sheet management. With a loan pipeline of $276 million and liquidity of $3.9 billion at December 31, 2025, we are well-positioned to serve our customers and deploy capital prudently. We remain committed to serving our customers and executing on our priorities with excellence. We look forward to the Company's transformation due to the announced merger with OceanFirst Financial Corp. and the opportunities the combination will create." ","length":1059,"tagName":"p"},{"type":"text","content":" - John R. Buran, President and CEO ","length":34,"tagName":"p"},{"type":"text","content":" UNIONDALE, NY / ACCESS Newswire / January 27, 2026 / GAAP and Core NIM Expansion and Average Noninterest Deposit Growth. The Company reported 4Q25 GAAP and Core EPS of $0.12 and $0.32, compared to ($1.64) and $0.14, respectively, a year ago. During the quarter, NIM expanded on both a GAAP and Core basis by 4 bps QoQ to 2.68% and 2.66%, respectively, primarily driven by growth in noninterest-bearing deposits and lower deposit costs. Average net loans decreased 2.8% YoY and 0.05 % QoQ consistent with the Company's focus on disciplined pricing and credit standards. Maintaining these disciplined standards resulted in the Bank's CRE concentration declining to 465% at December 31, 2025, compared to 522% a year ago and 475% at the prior quarter end.","length":760,"tagName":"p"},{"type":"text","content":" Strong Capital and Stable Credit Metrics. NPAs to assets were 68 bps, compared to 70 bps the prior quarter. Criticized and classified loans totaled 126 bps of gross loans compared to 111 bps in the prior quarter. Net charge-offs to average loans were 11 bps in 4Q25 compared to 7 bps in 3Q25. TCE/TA 1 was 8.14% at December 31, 2025, compared to 8.01% at September 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":" 4Q25 ","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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