Flushing Financial Corporation reported fourth quarter (Q4) 2025 GAAP earnings per share $(EPS)$ of USD 0.12 and core EPS of USD 0.32. The net interest margin for Q4 2025 expanded by 4 basis points to 2.68%, with core net interest margin at 2.66%. Average noninterest-bearing deposits increased by 12% year-over-year, now representing 13% of total deposits. The tangible common equity ratio stood at 8.14% at the end of Q4 2025. The commercial real estate $(CRE)$ concentration ratio declined to 465%. The company reported a loan pipeline of USD 276 million and liquidity of USD 3.9 billion as of the period end.

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