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Sep 30
Banner Q3 2025 Earnings Report
Banner Corporation reported strong Q3 2025 results with higher net income, improved margins, and steady deposit and loan growth.
Key Takeaways
Banner Corporation posted solid Q3 2025 performance with net income of $53.5 million and revenue of $170.7 million, driven by strong net interest income, improved efficiency, and loan growth across key markets.
Net income rose to $53.5 million, driven by a strong net interest margin of 3.98%.
Total revenue increased to $170.7 million, with adjusted revenue at $168.7 million.
Core deposits reached $12.48 billion, representing 89% of total deposits.
Total loans receivable rose to $11.70 billion, with growth across commercial and residential segments.
Banner
Banner
Banner Revenue by Segment
Banner Revenue by Geographic Location
Revenue by Segment
Mortgage banking ops Revenue
CapyFin.comDeposit fees & svc chg Revenue
CapyFin.comRevenue by Geographic Location
Washington Revenue
CapyFin.comCalifornia Revenue
CapyFin.comOregon Revenue
CapyFin.comIdaho Revenue
CapyFin.com Forward Guidance
Banner expects continued growth through disciplined expense control, strong credit quality, and investments in loan growth and digital banking services.
Positive Outlook
- Core deposit strength remains high with 89% of deposits being core.
- Loan growth supported by strong origination volumes.
- Net interest margin benefited from higher yields and lower funding costs.
- Efficiency ratio improved due to expense discipline.
- Capital levels remain well above regulatory requirements.
Challenges Ahead
- Continued pressure from competitive deposit pricing.
- Potential margin compression if interest rates decline.
- Economic uncertainty may impact credit quality.
- Expense increases in talent acquisition and marketing.
- Slight decline in non-performing asset coverage ratio.