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Jun 30
Banner Q2 2025 Earnings Report
Banner reported solid earnings growth in Q2 2025 driven by higher yields and loan growth.
Key Takeaways
Banner Corporation delivered strong Q2 2025 results with stable margins, increased revenue, and robust capital levels despite higher funding costs.
Net income reached $45.5M, reflecting solid loan growth and higher yields.
Revenue grew to $162.2M, supported by increased net interest income.
Core deposits remained strong, representing 89% of total deposits.
Capital base and credit metrics remained robust with strong reserve levels.
Banner
Banner
Banner Revenue by Segment
Banner Revenue by Geographic Location
Revenue by Segment
Mortgage banking ops Revenue
CapyFin.comDeposit & service fees Revenue
CapyFin.comRevenue by Geographic Location
Washington loans Revenue
CapyFin.comCalifornia loans Revenue
CapyFin.comOregon loans Revenue
CapyFin.comIdaho loans Revenue
CapyFin.comUtah loans Revenue
CapyFin.comOther regions Revenue
CapyFin.com Forward Guidance
Banner expects to maintain solid loan growth and strong deposit base, while funding costs may remain elevated.
Positive Outlook
- Strong core deposit base (89% of total deposits).
- Continued loan growth driven by commercial real estate and business loans.
- Robust capital base and well-capitalized regulatory ratios.
- Solid credit quality with strong reserves.
- Strategic investments expected to enhance operations long-term.
Challenges Ahead
- Higher funding costs impacting net interest income.
- Increasing non-performing assets compared to prior quarter.
- Provision for credit losses rose to $4.8M due to loan growth and risk migration.
- Deposit levels slightly decreased from Q1.
- Economic and market uncertainties could pressure margins.