Capital Adequacy

blueharbor bank (BLHK) reported strong Q3 2025 earnings, driven by loan growth and efficient operations. ROA reached 2.08% and ROE 18.54%. Diluted EPS surged 51% to $0.95, and the net interest margin expanded to 4.46%. Loan and deposit growth were robust, up 20% and 17% annualized, respectively. The efficiency ratio was an impressive 37.76%. Total assets increased to $571.8 million, with zero non-performing assets, and solid capital ratios exceeding regulatory requirements. Net income was $2,852,118, a significant rise compared to Q3 2024.