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Hanover Bancorp
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Hanover Bancorp 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
Net income for Q4 2025 was $33 thousand, down sharply from $3.9 million in Q4 2024, primarily due to a $6.1 million provision for credit losses and lower non-interest income, partially offset by higher net interest income.
Full-year 2025 net income was $7.5 million ($1.00 per diluted share), compared to $12.3 million ($1.66 per diluted share) in 2024; adjusted net income (excluding core system conversion expenses) was $10.1 million.
The company declared a $0.10 per share quarterly cash dividend and repurchased 81,975 shares during 2025.
Financial highlights
Net interest income for Q4 2025 was $15.8 million, up 14.64% year-over-year; full-year net interest income was $60.5 million, up 13.91%.
Pre-provision net revenue for Q4 2025 reached $6.2 million, the highest since Q4 2022.
Operating efficiency ratio improved to 66.46% in Q4 2025, the lowest since Q1 2024.
Total assets at year-end were $2.38 billion, with total deposits of $2.03 billion, up 3.79% year-over-year.
Book value per share increased to $27.02; tangible book value per share rose to $24.41.
Outlook and guidance
Management expects continued growth in C&I lending and deposit activity in 2026, supported by a strong loan pipeline and further branch expansion.
The company plans to open a new full-service branch in Riverhead, NY, with a temporary office operational by Q1 2026.
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Next Hanover Bancorp earnings date
Q1 202623 Apr, 2026
Hanover Bancorp
Next Hanover Bancorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Hanover Bancorp, Inc. is a bank holding company based in Mineola, New York. It operates through its wholly owned subsidiary, Hanover Community Bank. The company provides a broad range of financial services, focusing on both consumer and commercial banking products. These include multi-family and commercial mortgages, residential loans, business loans, and lines of credit. Hanover Bancorp primarily serves customers in Long Island, the greater New York metropolitan area, and Freehold, New Jersey through its network of nine branches. Hanover Bancorp, Inc. is headquartered in Mineola, New York, and its shares are listed on the NASDAQ.
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