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Bankwell Financial Group
Bankwell Financial Group (BWFG) investor relations material
Bankwell Financial Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Q4 2025 GAAP net income was $9.1 million ($1.15 per share), impacted by a $1.5 million one-time tax adjustment; operating net income was $10.7 million ($1.36 per share).
Pre-provision net revenue return on average assets rose to 180 basis points, up 10 bps sequentially and 75 bps year-over-year.
Net interest margin expanded to 3.40%, up 6 bps from the prior quarter, driven by lower deposit costs and improved funding mix.
Non-interest income increased 35% quarter-over-quarter, with SBA gain on sale income reaching $2.2 million.
Tangible book value per share increased to $37.84, up $3.75 year-over-year.
Financial highlights
Net interest income for Q4 2025 was $26.9 million; non-interest income was $3.4 million.
Net loan growth for Q4 2025 was $122 million; full-year net loan growth was 5%.
Total assets ended at $3.4 billion, up 2.8% year-over-year; total deposits were $2.8 billion.
Efficiency ratio improved to 50.8% in Q4 2025 from 51.4% in Q3 2025.
Return on average assets was 1.11% (1.29% on an operating basis) for Q4 2025.
Outlook and guidance
2026 guidance: loan growth of 4–5%, net interest income of $111–$112 million, non-interest income of $11–$12 million, and non-interest expense of $64–$65 million.
Targeting an efficiency ratio of 51–53% for 2026, improved from 54.1% in 2025.
Effective tax rate expected to normalize to approximately 25% in 2026.
Management expects continued benefit from lower deposit costs, with $1.2 billion in time deposits repriced 69 bps lower in 2025 and further favorable repricing in 2026.
New loan originations in 2025 averaged a 7.29% rate, replacing runoff at 6.50%.
NIM impact from floating rate loans vs deposit repricing
How will 2026 loan growth manage payoff volatility
SBA's role in 2026 noninterest income growth
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Next Bankwell Financial Group earnings date
Q1 202623 Apr, 2026
Bankwell Financial Group
Next Bankwell Financial Group earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Bankwell Financial Group Inc. is a bank holding company that operates primarily through its subsidiary, Bankwell Bank. The company offers a range of banking products and services, including commercial and residential real estate loans, business loans, and consumer lending. It also provides deposit products such as checking, savings, and money market accounts, along with certificates of deposit. Bankwell Financial Group serves individuals, small to medium-sized businesses, and commercial real estate clients. The company is headquartered in New Canaan, Connecticut, and its shares are listed on the NASDAQ.
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