David Bishop

Jon Arfstrom

Timur Braziler

Stephen Scouten

Wood Lay

Benjamin Gerlinger

Christopher Marinac

Jared David Shaw

Jared Shaw

Ben Gerlinger

David Rochester

Woody Lay

- BankUnited reported a **5%** quarter-over-quarter increase in net income, reaching **$71.9 million**, with diluted EPS at **$0.95** for Q3 2025.  **[0001504008_2195184:3]** **[0001504008_2195184:4]** 
- The company's Net Interest Margin (NIM) expanded by **0.07%** to **3.00%**, and the cost of deposits decreased by **0.09%** to **2.38%** in Q3 2025.  **[0001504008_2195184:3]** **[0001504008_2195184:4]** 
- Total loans decreased by **$231 million** in Q3 2025, primarily due to a reduction in lower yielding and non-core segments.  **[0001504008_2195184:3]** 
- BankUnited maintained a strong capital position with a CET 1 ratio of **12.5%** and reported an **8%** year-over-year growth in tangible book value per share to **$39.27**.  **[0001504008_2195184:3]** **[0001504008_2195184:4]** 
- The company launched full-service commercial banking offices in Morristown, NJ, and Charlotte, NC, during the quarter.  **[0001504008_2195184:3]**

BankUnited Reports Q3 2025 Financial Results

- BankUnited Inc. (BKU) reported strong financial results for Q3 2025, with **EPS of $0.95**, **ROA of 82 basis points**, and **ROE of 9.5%**.  **[0001504008_2195706_1]**  The company achieved a **3% margin** a quarter earlier than expected.  **[0001504008_2195706_1]** 
- The balance sheet showed **CET1 at 12.5%** and **tangible book value per share at $39.27**.  **[0001504008_2195706_1]**  Total deposits were **flat**, declining by **$28 million**, while CRE loans were **up $61 million** and mortgage warehouse grew by **$83 million**.  **[0001504008_2195706_2]**  Credit quality remained **flat** across key metrics like criticized, classified, NPLs, and charge-offs.  **[0001504008_2195706_1]** 
- For Q4 2025, the company expects margin to be **flat-ish** and non-interest expense to increase by approximately **3%** for the full year.  **[0001504008_2195706_6]**  Core fee income saw **20% growth**, and the company anticipates **balanced loan growth** in 2026.  **[0001504008_2195706_6]** **[0001504008_2195706_16]**  Additionally, Leslie N. Lunak is transitioning out as CFO, with Jim Mackey taking over.  **[0001504008_2195706_0]** **[0001504008_2195706_6]**

BankUnited Inc. Reports Strong Q3 2025 Results and CFO Transition

- BankUnited, Inc. reported **net income of $71.9 million** and **diluted earnings per share of $0.95** for the third quarter ended September 30, 2025.  **[1504008_0001504008-25-000044_earningsdocex99120250930.htm:0]** 
- The company achieved an **annualized return on average assets of 0.82%** and a **return on average stockholders’ equity of 9.5%** for the quarter ended September 30, 2025.  **[1504008_0001504008-25-000044_earningsdocex99120250930.htm:0]** **[1504008_0001504008-25-000044_earningsdocex99120250930.htm:12]** 
- The net interest margin (NIM) expanded by **0.07% to 3.00%** for the quarter ended September 30, 2025, compared to the immediately preceding quarter.  **[1504008_0001504008-25-000044_earningsdocex99120250930.htm:1]** **[1504008_0001504008-25-000044_earningsdocex99120250930.htm:12]** 
- Total assets were **$35.1 billion** at September 30, 2025, with total deposits remaining **essentially flat** and total loans declining by **$231 million** during the quarter.  **[1504008_0001504008-25-000044_earningsdocex99120250930.htm:1]** **[1504008_0001504008-25-000044_earningsdocex99120250930.htm:5]** **[1504008_0001504008-25-000044_earningsdocex99120250930.htm:7]** 
- The Common Equity Tier 1 (CET1) risk-based capital ratio was **12.5%** and the Tangible Common Equity to Tangible Assets ratio was **8.4%** at September 30, 2025.  **[1504008_0001504008-25-000044_earningsdocex99120250930.htm:1]** **[1504008_0001504008-25-000044_earningsdocex99120250930.htm:12]**

BankUnited, Inc. Reports Third Quarter 2025 Results

BankUnited (BKU)