Alerus Financial Reports Q4 2025 Net Loss of $33.1M, Completes Balance Sheet Repositioning

ALERUS FINANCIAL CORP

2025-FY EPS reported $0.68

Q4 2025 net loss of $33.1M due to $68.4M pre-tax loss from sale of $360.1M low-yield securities.
Adjusted diluted EPS of $0.85 vs. $0.66 in Q3 2025; adjusted ROAA of 1.62% vs. 1.28%.
Net interest margin improved to 3.69% from 3.50% QoQ; tangible book value rose 21.54% YoY to $17.55.
Full-year 2025 adjusted efficiency ratio improved to 64.45% from 73.45% in 2024.
Retirement and wealth assets under administration and management reached $49.8 billion.

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