BankFinancial (BFIN) investor relations material

Executive summary

• Net income for Q3 2025 was $2.4 million ($0.19 per share), up 18.4% year-over-year; nine-month net income was $4.1 million, down 30.1% from the prior year.

• Total assets reached $1.455 billion, loans $759.8 million, deposits $1.242 billion, and equity $157.4 million as of September 30, 2025.

• On August 11, 2025, a merger agreement was signed with First Financial Bancorp, pending regulatory and shareholder approval.

Financial highlights

• Net interest income for Q3 2025 was $11.6 million, stable year-over-year; nine-month net interest income was $34.4 million, down 6.4%.

• Noninterest income rose 14.9% to $1.7 million in Q3, and 25.5% to $5.3 million for the nine months, driven by higher deposit fees and insurance income.

• Noninterest expense increased 6.9% to $10.8 million in Q3, and 1.7% to $33.5 million for the nine months, mainly due to higher professional fees and foreclosed asset write-downs.

• Allowance for credit losses rose to 1.15% of total loans, with a $2.1 million specific reserve for a government equipment finance exposure.

• Book value per share increased to $12.63 at quarter-end.

Outlook and guidance

• Management anticipates sufficient liquidity and capital to meet commitments and support growth.

• No material adverse trends or uncertainties identified as of September 30, 2025.