Justin Crowley

David Konrad

Christopher O'Connell

- Blue Foundry Bancorp reported a **net loss of $1.9 million**, or **$0.10 per diluted share**, for Q3 2025, which compares favorably to the **$2 million loss** in the prior quarter.  **[0001846017_2211718_1]** **[0001846017_2211718_2]** 
- The company experienced **deposit growth of $77.1 million** and **loan growth of $41.9 million** during Q3 2025, with the net interest margin expanding by **six basis points to 2.34%**.  **[0001846017_2211718_1]** 
- **Tangible book value per share increased to $15.14**, and the company repurchased over **837,000 shares** at a weighted average price of **$9.09** per share in the third quarter.  **[0001846017_2211718_1]** 
- Total non-performing loans increased to **$11.4 million**, or **66 basis points** of total loans, as of September 30, 2025.  **[0001846017_2211718_2]** 
- Management anticipates net interest margin expansion in **2026**, driven by loan repricing, including approximately **$45 million** in loans repricing below 4% in the first half of the year.  **[0001846017_2211718_3]**

Blue Foundry Bancorp Reports Q3 2025 Net Loss and Balance Sheet Growth

- Blue Foundry Bancorp reported a **net loss of $1.9 million** and a **net loss of $0.10 per diluted share** for the third quarter of 2025, which improved compared to the prior quarter.  **[0001846017_2217255_1]** **[0001846017_2217255_2]** 
- During Q3 2025, deposits increased by **$77.1 million**, and loans grew by **$41.9 million**.  **[0001846017_2217255_1]** **[0001846017_2217255_2]** 
- The net interest margin (NIM) expanded by **six basis points to 2.34%**, supported by a nine basis point increase in asset yields and a four basis point reduction in the cost of liabilities.  **[0001846017_2217255_1]** **[0001846017_2217255_2]** 
- The company repurchased over **837,000 shares** at a weighted average price of **$9.09 per share** during the quarter, contributing to an increase in tangible book value per share to **$15.14**.  **[0001846017_2217255_1]** 
- Management anticipates the net interest margin to be relatively flat in Q4 2025, with significant loan repricing activity expected to favorably impact NIM in **2026**.  **[0001846017_2217255_3]**

Blue Foundry Bancorp Reports Q3 2025 Financial Results

- Blue Foundry Bancorp reported a **net loss of $1.9 million** and a **pre-provision net loss of $1.3 million** for Q3 2025, both showing improvement compared to the prior quarter.  **[0001846017_2217247_1]** **[0001846017_2217247_2]** 
- The company achieved growth in Q3 2025, with **deposits increasing by $77.1 million** and **loans growing by $41.9 million**.  **[0001846017_2217247_1]** **[0001846017_2217247_2]**  Net interest margin expanded by **six basis points to 2.34%**, supported by a nine basis point increase in asset yields and a four basis point reduction in the cost of liabilities.  **[0001846017_2217247_1]** 
- Capital management included an increase in **tangible book value per share to $15.14** and the repurchase of **over 837,000 shares** at a weighted average price of $9.09 per share during the quarter.  **[0001846017_2217247_1]** 
- The loan portfolio saw growth in commercial real estate and consumer loans, with a healthy pipeline of **over $41 million** in executed letters of intent, primarily in commercial lending, at anticipated weighted average rates above 7%.  **[0001846017_2217247_1]** **[0001846017_2217247_4]** 
- Management anticipates **Q4 2025 net interest margin to be relatively flat**, with a significant pickup expected in **2026** due to repricing activity.  **[0001846017_2217247_3]**  Non-interest expenses for Q4 2025 are projected to be in the **high 13 to low 14 million dollar range**.  **[0001846017_2217247_4]**

BLFY Reports Q3 2025 Net Loss, Loan and Deposit Growth, and NIM Expansion

- Blue Foundry Bancorp reported a **net loss of $1.9 million**, or **$0.10 per diluted common share**, for the three months ended September 30, 2025.  **[1846017_0001628280-25-046959_a2025-3qearningsrelease.htm:0]** 
- **Loans increased $41.9 million** to **$1.71 billion** and **deposits increased $77.1 million** to **$1.49 billion** compared to the linked quarter.  **[1846017_0001628280-25-046959_a2025-3qearningsrelease.htm:0]** 
- The company's **net interest margin increased six basis points to 2.34%** compared to the linked quarter.  **[1846017_0001628280-25-046959_a2025-3qearningsrelease.htm:0]** 
- **837,388 shares were repurchased** during the quarter at a weighted average share price of **$9.09 per share**.  **[1846017_0001628280-25-046959_a2025-3qearningsrelease.htm:0]** 
- **Non-performing loans totaled $11.4 million**, or **0.66% of total loans**, at September 30, 2025, an increase from $5.1 million, or 0.33% of total loans, at December 31, 2024.  **[1846017_0001628280-25-046959_a2025-3qearningsrelease.htm:4]**

Blue Foundry Bancorp Reports Q3 2025 Results

- Blue Foundry Bancorp reported a **net loss of $1.9 million**, or **$0.10 per diluted common share**, for the three months ended **September 30, 2025**.  **[1846017_9ada76cc42224fe6b7e28f25a675f6cf_0]**  This compares to a net loss of $2.0 million, or $0.10 per diluted common share, for the three months ended June 30, 2025, and a net loss of $4.0 million, or $0.19 per diluted common share, for the three months ended September 30, 2024.  **[1846017_9ada76cc42224fe6b7e28f25a675f6cf_0]** 
- During the third quarter of 2025, **loans increased $41.9 million to $1.71 billion** and **deposits increased $77.1 million to $1.49 billion** compared to the linked quarter.  **[1846017_9ada76cc42224fe6b7e28f25a675f6cf_0]** 
- The company's **net interest margin increased six basis points to 2.34%** for the third quarter of 2025 compared to the linked quarter.  **[1846017_9ada76cc42224fe6b7e28f25a675f6cf_0]** 
- Blue Foundry Bancorp repurchased **837,388 shares** at a weighted average share price of **$9.09 per share** during the quarter, and **tangible book value exceeded $15 per share**.  **[1846017_9ada76cc42224fe6b7e28f25a675f6cf_0]**

Blue Foundry Bancorp (BLFY)