Terra Property Trust reports Q2 2025 GAAP net loss of $9.1M ($0.38/share)

Terra Property Trust, Inc.

Net loss driven by reduced interest income from non-performing loans and non-cash charges; CECL reserve of $1.4M.
Monthly cash dividend maintained at $0.10/share for 114th consecutive month.
Portfolio leverage at 1.54x debt-to-equity; weighted avg loan yield 13.8% gross, 15.0% net of leverage.
95% of loan portfolio floating rate; approximately $165M debt reduction since Dec 2023.
Management discusses potential liquidity events: IPO, direct listing, strategic merger, or conversion to non-traded REIT.

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