BLFY · As filed with the SEC

Blue Foundry Bancorp balance sheet, 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 Balance Sheets · USD thousands

USD thousands	Q4 2025 Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024 Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024
ASSETS
Cash and cash equivalents	53,141	44,086	41,877	46,220	42,502	76,109	60,262	53,753
Securities available-for-sale, at fair value	301,227	273,941	284,239	286,620	297,028	290,806	297,790	265,191
Securities held-to-maturity (fair value of $25,628 at December 31, 2025 and $29,995 at December 31, 2024, and allowance for credit losses of $91 at December 31, 2025 and $98 at December 31, 2024)	27,016	27,050	29,062	32,038	33,076	33,119	33,169	33,217
FHLB stock and other investments	16,363	16,309	18,112	17,605	17,791	18,203	17,942	17,908
Loans receivable, net of allowance for credit losses of $14,392 at December 31, 2025 and $12,965 at December 31, 2024	1,676,140	1,701,081	1,659,732	1,612,503	1,570,517	1,537,971	1,534,357	1,540,428
Real estate owned, net	—	—	—	—	0	0	0	593
Interest and dividends receivable	9,289	9,237	8,817	8,746	8,014	8,386	7,882	8,001
Premises and equipment, net	26,830	27,523	28,187	28,805	29,486	30,161	30,858	31,696
Right-of-use assets	21,705	21,422	22,101	22,778	23,470	24,190	24,596	24,454
Bank owned life insurance	23,013	22,888	22,761	22,638	22,519	22,399	22,274	22,153
Other assets	13,280	12,255	12,616	14,253	16,280	13,749	16,322	30,393
Total assets	2,168,004	2,155,792	2,127,504	2,092,206	2,060,683	2,055,093	2,045,452	2,027,787
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities
Deposits	1,509,875	1,493,380	1,416,321	1,387,241	1,343,320	1,318,670	1,311,156	1,291,184
Advances from the Federal Home Loan Bank	301,000	301,000	343,000	334,000	339,500	348,500	342,500	342,500
Advances by borrowers for taxes and insurance	9,244	9,980	10,079	9,743	9,356	9,909	9,875	9,368
Lease liabilities	23,432	23,147	23,820	24,490	25,168	25,870	26,243	26,081
Other liabilities	11,712	13,888	12,984	10,069	11,141	12,845	10,081	8,498
Total liabilities	1,855,263	1,841,395	1,806,204	1,765,543	1,728,485	1,715,794	1,699,855	1,677,631
Shareholders’ equity
Preferred stock, $0.01 par value, 10,000,000 authorized; none issued	0	0	0	0	0	0	0	0
Common stock $0.01 par value; 70,000,000 shares authorized; 28,522,500 shares issued at December 31, 2025 and December 31, 2024; 20,758,296 and 22,522,626 shares outstanding at December 31, 2025 and December 31, 2024, respectively	285	285	285	285	285	285	285	285
Additional paid-in capital	280,752	279,902	279,224	277,895	277,304	276,621	275,890	274,327
Retained earnings	142,404	145,912	147,780	149,737	152,429	155,116	159,157	161,501
Treasury Stock, at cost: 7,764,204 shares at December 31, 2025 and 5,999,874 shares at December 31, 2024	(76,375)	(76,350)	(68,733)	(64,243)	(59,699)	(54,696)	(49,229)	(44,930)
Unallocated common shares held by Employee Stock Ownership Plan	(18,254)	(18,483)	(18,711)	(18,939)	(19,167)	(19,395)	(19,623)	(19,852)
Accumulated other comprehensive loss	(16,071)	(16,869)	(18,545)	(18,072)	(18,954)	(18,632)	(20,883)	(21,175)
Total shareholders’ equity	312,741	314,397	321,300	326,663	332,198	339,299	345,597	350,156
Total liabilities and shareholders’ equity	2,168,004	2,155,792	2,127,504	2,092,206	2,060,683	2,055,093	2,045,452	2,027,787

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