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HomeStreet(HMST) - 2025 Q2 - Earnings Call Presentation
2025-07-28 20:00
Financial Performance (Q2 2025) - The company reported a net loss of $4.4 million, or $0.23 per share[10] - Core net loss was $3.1 million, or $0.16 per share[10] - HomeStreet Bank's net income was $0.7 million[10] - Net interest margin stood at 1.90%[10] Balance Sheet Highlights (June 30, 2025) - Uninsured deposits totaled $604 million, representing 10% of total deposits[10, 22] - Nonperforming assets to total assets ratio was 0.76%[10] - Book value per share was $21.30[10] - Tangible book value per share was $20.97[10] - Total assets were $7.6 billion[15] Loan Portfolio (June 30, 2025) - Total loan portfolio amounted to $5.9 billion, diversified across various property types and geographies[40] - Multifamily loans constituted 49% of the portfolio[40] - Single Family loans accounted for 18% of the portfolio[40] - Commercial & Industrial (C&I) loans represented 10% of the portfolio[40] Strategic Developments - The company is planning a merger with Mechanics Bank, expected to close in the third quarter of 2025[8]