| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net loss | -6,517 | -4,649 |
| Depreciation and amortization of premises and equipment | 2,220 | 1,484 |
| Right-of-use asset | -2,048 | -1,369 |
| Deferred loan fees, costs, and discounts, net | -210 | -168 |
| Premiums and discounts on securities | 399 | 249 |
| Provision for (release of) credit losses | 1,253 | 664 |
| Proceeds from sales of loans held for sale | 0 | 0 |
| Gains on sale of loans, net | 0 | 0 |
| Origination of loans held for sale | 0 | 0 |
| Loss on disposal of premises and equipment | 0 | - |
| Gain on sale of real estate owned | 0 | 0 |
| Increase in bank owned life insurance cash surrender value | 369 | 242 |
| Esop and stock-based compensation expense | 2,972 | 1,974 |
| Increase in interest and dividends receivable | 1,223 | 803 |
| (increase) decrease in other assets | 612 | 226 |
| Increase in other liabilities | 398 | 73 |
| Change in lease liability | -2,021 | -1,348 |
| Net cash (used in) provided by operating activities | -2,040 | -1,785 |
| Net repayments of loans receivable | -27,467 | -15,572 |
| Purchases of residential and consumer loans | 159,146 | 105,305 |
| Proceeds from sale of real estate owned | 0 | 0 |
| Purchases of securities available-for-sale | 43,785 | 41,951 |
| Proceeds from sales and calls of securities available-for-sale | 53,720 | 45,250 |
| Principal payments and maturities on securities available-for-sale | 22,390 | 15,628 |
| Principal payments and maturities on securities held-to-maturity | 5,825 | 3,883 |
| Purchases of other investments | 225 | 150 |
| Purchase of federal home loan bank stock | 69,176 | 53,832 |
| Redemption of federal home loan bank stock | 70,898 | 53,663 |
| Purchases of premises and equipment | 257 | 185 |
| Net cash (used in) provided by investing activities | -92,289 | -67,427 |
| Net increase in deposits | 150,060 | 73,001 |
| Proceeds from advances from federal home loan bank | 1,529,000 | 1,188,000 |
| Repayments of advances from federal home loan bank | 1,567,500 | 1,184,500 |
| Net increase in advances by borrowers for taxes and insurance | 624 | 723 |
| Purchase of treasury stock | 16,271 | 8,637 |
| Net cash provided by financing activities | 95,913 | 68,587 |
| Net increase in cash and cash equivalents | 1,584 | -625 |
| Cash and cash equivalents at beginning of period | 42,502 | - |
| Cash and cash equivalents at end of period | 44,086 | - |
Blue Foundry Bancorp (BLFY)
Blue Foundry Bancorp (BLFY)