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Banner (BANR) investor relations material
Banner Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income for Q4 2025 was $51.2 million ($1.49 per diluted share), down from $53.5 million in Q3 2025 but up from $46.4 million in Q4 2024; full-year 2025 net income was $195.4 million ($5.64 per share), up from $168.9 million in 2024.
Core earnings for 2025 were $255 million, up from $223.2 million in 2024.
Core deposits increased by $196 million year-over-year (2%) and represented 89% of total deposits at year-end.
Announced a $0.50 per share dividend to be paid in February 2026 and repurchased approximately 250,000 shares during the quarter.
Return on average assets for Q4 2025 was 1.24%.
Financial highlights
Net interest margin for Q4 2025 was 4.03%, up from 3.98% in Q3 2025 and 3.82% in Q4 2024.
Full year 2025 EPS was $5.64, up from $4.88 in 2024, driven by an 8.5% increase in net interest income.
Efficiency ratio for Q4 2025 was 62.11%; adjusted efficiency ratio was 59.87%.
Return on average tangible common equity for Q4 2025 was 13.11%.
Allowance for credit losses on loans was $160.3 million, covering 1.37% of total loans.
Outlook and guidance
Expectation for mid-single digit loan growth in 2026, contingent on economic stability.
Net interest margin outlook depends on Federal Reserve actions; flat to slight expansion if rates hold, potential compression with multiple rate cuts.
Expense growth for 2026 projected at normal inflationary levels (~3%).
Tax rate for 2026 expected around 19%.
Management highlights ongoing strategic investments, strong credit quality, and robust capital position as key to long-term growth.
Address rising non-performing assets and loans
Explain core deposit decline and FHLB reliance
Detail loan portfolio growth drivers and shifts
Drivers of Q4 loan growth headwinds persist?
Why NIM outlook conservative despite past trends?
Capital deployment strategy for 2026?
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Next Banner earnings date
Q1 202616 Apr, 2026
Banner
Next Banner earnings date
Q1 202616 Apr, 2026
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Frequently asked questions
Banner Corporation operates as the bank holding company for Banner Bank that provide commercial banking and financial products and services to individuals, businesses, and public sector entities in the United States. The company offers a range of deposit products, including noninterest bearing checking accounts, interest bearing checking accounts, time deposits, money market accounts, savings deposit accounts, and certificates of deposit; and lending products consisting of commercial, real estate construction and development business loan facilities and other business loans, personal loans together with home equity loans and lines of credit, residential real estate mortgage loans, personal cash advances or lines of credit through its automatic teller machines (ATMs), as well as unsecured consumer installment loans. Banner Corporation is based in Walla Walla, Washington.
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