BLFY · As filed with the SEC

Blue Foundry Bancorp cash flow statement, by quarter

The statement as Blue Foundry Bancorp presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.

Consolidated Statements of Cash Flows · USD thousands

USD thousands	Q4 2025^† 3 months ended Dec 31, 2025	Q3 2025^† 3 months ended Sep 30, 2025	Q2 2025^† 3 months ended Jun 30, 2025	Q1 2025 3 months ended Mar 31, 2025
Cash flows from operating activities
Net loss	(3,508)^†	(1,868)^†	(1,957)^†	(2,692)
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Depreciation and amortization of premises and equipment	732^†	736^†	742^†	742
Change in right-of-use asset	880^†	679^†	677^†	692
(Accretion) amortization of:
Deferred loan fees, costs, premiums and discounts, net	(61)^†	42^†	20^†	148
Premiums and discounts on securities, net	(223)^†	(150)^†	(162)^†	(87)
Provision for (release of) credit losses	870^†	589^†	463^†	201
Proceeds from sales of loans held for sale	0^†	0^†	0^†	0
Gains on sale of loans, net	0^†	0^†	0^†	0
Origination of loans held for sale	—	0^†	0^†	0
Loss on premises and equipment	0^†	—	—	—
Net gain on sale of real estate owned	0^†	0^†	—	—
Increase in BOLI cash surrender value	(125)^†	(127)^†	(123)^†	(119)
ESOP and stock-based compensation expense	1,020^†	998^†	945^†	1,029
Increase in interest and dividends receivable	(52)^†	(420)^†	(71)^†	(732)
(Increase) decrease in other assets	(1,701)^†	(386)^†	418^†	(644)
(Decrease) increase in other liabilities	(2,930)^†	325^†	1,726^†	(1,653)
Change in lease liability	(878)^†	(673)^†	(670)^†	(678)
Net cash (used in) provided by operating activities	(5,976)^†	(255)^†	2,008^†	(3,793)
Cash flows from investing activities
Net payments of loans	49,530^†	11,895^†	16,363^†	(791)
Purchases of mortgage and consumer loans	(25,100)^†	(53,841)^†	(63,759)^†	(41,546)
Proceeds from sale of real estate owned	0^†	0^†	—	—
Purchases of securities available-for-sale	(89,475)^†	(1,834)^†	—	—
Proceeds from sales and calls of securities available-for-sale	57,000^†	8,470^†	41,251^†	3,999
Principal payments and maturities on securities available-for-sale	—	6,762^†	4,981^†	10,647
Principal payments and maturities on securities held to maturity	0^†	1,942^†	2,912^†	971
Purchases of other investments	0^†	(75)^†	(100)^†	(50)
Purchases of Federal Home Loan Bank stock	(11,610)^†	(15,344)^†	(19,857)^†	(33,975)
Redemption of Federal Home Loan Bank stock	11,610^†	17,235^†	19,440^†	34,223
Purchases of premises and equipment	(39)^†	(72)^†	(124)^†	(61)
Net cash used in investing activities	(750)^†	(24,862)^†	(40,844)^†	(26,583)
Cash flows from financing activities
Net change in deposits	16,495^†	77,059^†	29,080^†	43,921
Proceeds from advances from Federal Home Loan Bank	258,000^†	341,000^†	548,000^†	640,000
Repayments of advances from Federal Home Loan Bank	(258,000)^†	(383,000)^†	(539,000)^†	(645,500)
Net (increase) decrease in advances by borrowers for taxes and insurance	(736)^†	(99)^†	336^†	387
Purchase of treasury stock	1^†	(7,634)^†	(3,923)^†	(4,714)
Net cash provided by financing activities	15,781^†	27,326^†	34,493^†	34,094
Net increase (decrease) in cash and cash equivalents	9,055^†	2,209^†	(4,343)^†	3,718
Cash and cash equivalents at beginning of period	44,086	41,877	46,220	42,502
Cash and cash equivalents at end of period	53,141	44,086	41,877	46,220
Supplemental disclosures of cash flow information
Cash paid during the period for:
Interest	12,150^†	11,913^†	11,612^†	11,443
Income taxes	18^†	27^†	27^†	44
Supplemental noncash disclosures
Lease liabilities arising from obtaining right-of-use assets	1,163^†	—	—	—

† Derived: worked out from the filings, not stated in them. A fourth quarter is the 10-K year less the nine months in the third-quarter 10-Q; a quarter of cash flows is year to date less the prior year to date.

As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.