Flushing Financial Corporation Reports GAAP EPS Increase of 128% and Core EPS of 78% Year-Over-Year for the Second Quarter of 2025

About this update from Flushing Financial Corporation

[{"type":"text","content":" "Our second quarter results reflect the continued successful execution of our strategic priorities, building upon the foundational actions we took in the preceding quarters. We are pleased to report another quarter of net interest margin expansion, with both GAAP and Core NIM increasing, which speaks to the effectiveness of our balance sheet repositioning and disciplined approach to funding costs. Particularly encouraging is the strong year-over-year growth in our average noninterest-bearing deposits, which increased 6.4%, further bolstering our funding base. While we remain mindful of the persistent economic uncertainties, our focus on maintaining strong liquidity and capital has resulted in a tangible common equity to tangible assets ratio of 8.04%, a significant improvement from the prior year. The deliberate actions taken in late 2024 and early 2025 are yielding the anticipated benefits, enhancing our profitability and strengthening our financial position. As we look to the second half of the year, we will maintain our disciplined underwriting standards and proactive risk management, ensuring we are well-positioned to navigate the evolving landscape and continue to deliver long-term value to our shareholders." ","length":1243,"tagName":"p"},{"type":"text","content":"- John R. Buran, President and CEO ","length":34,"tagName":"p"},{"type":"text","content":" UNIONDALE, NY / ACCESS Newswire / July 24, 2025 / NIM Expansion and Average Deposit Growth. The Company reported 2Q25 GAAP EPS of $0.41 and Core EPS of $0.32, an increase of 127.8% and 77.8% YoY, respectively. The primary differences between GAAP and Core earnings were fair value adjustments on debt and the reversal of a valuation allowance upon the reclassification of loans held for sale to loans held for investment.During the quarter, the NIM expanded on both a GAAP and Core basis by 3 bps QoQ to 2.54% and 2.52%, respectively as loan repricing largely offset the impact from maturing swaps. Average loans decreased 1.0% YoY but increased 0.1% QoQ, due to maintaining pricing and quality standards. Adherence to these standards, the Bank's CRE concentration declined to 493% at June 30, 2025, compared to 522% a year ago and 511% at the prior quarter end. Average deposits increased 5.7% YoY and 0.6% QoQ. Average noninterest bearing deposits increased 6.4% YoY and 2.4% QoQ. GAAP and Core pre-provision pre-tax net revenue increased 191.1% and 134.5% YoY to their highest quarterly level since 3Q22 and 4Q22, respectively.","length":1134,"tagName":"p"},{"type":"text","content":" Credit Metrics Stable to Improving and Capital Expands QoQ. NPAs to assets were 75 bps compared to 71 bps the prior quarter. Criticized and classified loans totaled 108 bps of gross loans compared to 133 bps in the prior quarter. Net charge-offs to average loans were 15 bps in 2Q25 compared to 27 bps in 1Q25. TCE/TA 1 was 8.04% at June 30, 2025, compared to 7.79% at March 31, 2025.","length":383,"tagName":"p"},{"type":"readMore"},{"type":"text","content":"   ","length":10,"tagName":"p","attribs":{"class":"page-break"},"className":""},{"type":"text","content":" Key Financial Metrics 2 ","length":22,"tagName":"p","attribs":{}},{"type":"table","headerItems":[],"items":[{"val":[{"rowspan":"1","style":"background-color:white;padding:0in;vertical-align:bottom;width:25%;","val":[]},{"style":"vertical-align:bottom;width:1%;","val":[]},{"style":"border-bottom:2px solid windowtext;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":" 2Q25 ","length":4,"tagName":"p"}]},{"style":"text-align:center;vertical-align:bottom;width:1%;","val":[]},{"style":"text-align:center;vertical-align:bottom;width:1%;","val":[]},{"style":"border-bottom:2px solid 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