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Jun 30, 2025
Alerus Q2 2025 Earnings Report
Alerus reported strong performance in Q2 2025 with improved profitability and asset efficiency.
Key Takeaways
Alerus delivered solid second-quarter results, with net income reaching $20.3 million, driven by higher noninterest income and disciplined expense management. Strategic asset optimization and loan sales further strengthened the balance sheet.
Net income grew to $20.3 million, up from $13.3 million in Q1 2025.
Adjusted EPS came in at $0.72, reflecting strong operational efficiency.
Revenue totaled $74.8 million, driven by mortgage banking and wealth management.
The efficiency ratio improved to 60.66% and tangible book value rose to $16.11.
Revenue by Segment
Forward Guidance
Alerus remains focused on executing its long-term strategy, maintaining disciplined risk management, and enhancing shareholder value through sustainable growth and capital optimization.
Positive Outlook
- Strong adjusted return on tangible common equity
- Continued growth in wealth and mortgage revenues
- Strategic loan sales improved risk profile
- Dividend increased for the 39th consecutive year
- Improved efficiency and asset quality metrics
Challenges Ahead
- Noninterest-bearing deposits declined
- Elevated net charge-offs due to one-time loan sale
- Higher noninterest expenses vs. prior year
- Decline in available-for-sale investment securities
- Ongoing integration costs from acquisitions
Historical Earnings Impact
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Avg. Return Before/After Earnings
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