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	Q4 2024^† 3 months ended Dec 31, 2024	Q3 2024^† 3 months ended Sep 30, 2024	Q2 2024^† 3 months ended Jun 30, 2024	Q1 2024 3 months ended Mar 31, 2024
Cash flows from operating activities
Net loss	(3,508)^†	(1,868)^†	(1,957)^†	(2,692)	(2,687)^†	(4,041)^†	(2,344)^†	(2,839)
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	776^†	780^†	782^†	788
Change in right-of-use asset	880^†	679^†	677^†	692	720^†	717^†	720^†	718
(Accretion) amortization of:
Deferred loan fees, costs, premiums and discounts, net	(61)^†	42^†	20^†	148	(95)^†	(59)^†	(54)^†	40
Premiums and discounts on securities, net	(223)^†	(150)^†	(162)^†	(87)	166^†	233^†	130^†	196
Release of provision for credit losses	—	—	—	—	—	248^†	(762)^†	(535)
Provision for (release of) credit losses	870^†	589^†	463^†	201	(301)^†	248^†	(762)^†	—
Proceeds from sales of loans held for sale	0^†	0^†	0^†	0	0^†	0^†	0^†	486
Gains on sale of loans, net	0^†	0^†	0^†	0	0^†	0^†	0^†	(36)
Origination of loans held for sale	—	0^†	0^†	0	—	0^†	0^†	(450)
Loss on premises and equipment	0^†	—	—	—	0^†	3^†	—	—
Net gain on sale of real estate owned	0^†	0^†	—	—	0^†	0^†	—	—
Increase in BOLI cash surrender value	(125)^†	(127)^†	(123)^†	(119)	(120)^†	(125)^†	(121)^†	(119)
ESOP and stock-based compensation expense	1,020^†	998^†	945^†	1,029	1,056^†	1,047^†	959^†	995
Increase in interest and dividends receivable	(52)^†	(420)^†	(71)^†	(732)	372^†	(504)^†	119^†	(406)
(Increase) decrease in other assets	(1,701)^†	(386)^†	418^†	(644)	464^†	(1,836)^†	13,751^†	(1,731)
(Decrease) increase in other liabilities	(2,930)^†	325^†	1,726^†	(1,653)	(161)^†	526^†	1,768^†	(1,266)
Change in lease liability	(878)^†	(673)^†	(670)^†	(678)	(702)^†	(684)^†	(700)^†	(696)
Net cash (used in) provided by operating activities	(5,976)^†	(255)^†	2,008^†	(3,793)	(512)^†	(3,695)^†	14,125^†	(4,855)
Cash flows from investing activities
Net payments of loans	49,530^†	11,895^†	16,363^†	(791)	(18,680)^†	12,255^†	6,831^†	6,504
Purchases of mortgage and consumer loans	(25,100)^†	(53,841)^†	(63,759)^†	(41,546)	(13,734)^†	(15,805)^†	0^†	0
Proceeds from sale of real estate owned	0^†	0^†	—	—	0^†	0^†	—	—
Purchases of securities available-for-sale	(89,475)^†	(1,834)^†	—	—	(44,548)^†	(257)^†	—	—
Proceeds from sales and calls of securities available-for-sale	57,000^†	8,470^†	41,251^†	3,999	0^†	0^†	0^†	—
Principal payments and maturities on securities available-for-sale	—	6,762^†	4,981^†	10,647	—	15,637^†	11,990^†	—
Principal payments and maturities on securities available-for-sale	—	—	—	—	33,680^†	15,637^†	11,990^†	17,325
Principal payments and maturities on securities held to maturity	0^†	1,942^†	2,912^†	971	0^†	0^†	0^†	—
Purchases of other investments	0^†	(75)^†	(100)^†	(50)	150^†	0^†	0^†	—
Purchases of Federal Home Loan Bank stock	(11,610)^†	(15,344)^†	(19,857)^†	(33,975)	(17,235)^†	(10,080)^†	(12,987)^†	(6,818)
Redemption of Federal Home Loan Bank stock	11,610^†	17,235^†	19,440^†	34,223	17,640^†	9,810^†	13,050^†	9,293
Proceeds from bank owned life insurance	—	—	—	—	0^†	0^†	0^†	0
Proceeds from disposal of fixed assets	—	—	—	—	—	0^†	—	—
Purchases of premises and equipment	—	—	—	—	—	—	—	(9)
Purchases of premises and equipment	(39)^†	(72)^†	(124)^†	(61)	(101)^†	(86)^†	56^†	—
Net cash used in investing activities	(750)^†	(24,862)^†	(40,844)^†	(26,583)	(43,128)^†	11,474^†	(24,647)^†	26,295
Cash flows from financing activities
Net change in deposits	16,495^†	77,059^†	29,080^†	43,921	24,650^†	7,514^†	19,972^†	46,280
Proceeds from advances from Federal Home Loan Bank	258,000^†	341,000^†	548,000^†	640,000	224,000^†	224,000^†	204,000^†	354,000
Repayments of advances from Federal Home Loan Bank	(258,000)^†	(383,000)^†	(539,000)^†	(645,500)	(233,000)^†	(218,000)^†	(204,000)^†	(409,000)
Net (increase) decrease in advances by borrowers for taxes and insurance	(736)^†	(99)^†	336^†	387	(553)^†	34^†	507^†	439
Purchase of treasury stock	1^†	(7,634)^†	(3,923)^†	(4,714)	(5,064)^†	(5,480)^†	(3,448)^†	(5,431)
Net cash provided by financing activities	15,781^†	27,326^†	34,493^†	34,094	10,033^†	8,068^†	17,031^†	(13,712)
Net increase (decrease) in cash and cash equivalents	9,055^†	2,209^†	(4,343)^†	3,718	(33,607)^†	15,847^†	6,509^†	7,728
Cash and cash equivalents at beginning of period	44,086	41,877	46,220	42,502	76,109	60,262	53,753	46,025
Cash and cash equivalents at end of period	53,141	44,086	41,877	46,220	42,502	76,109	60,262	53,753
Supplemental disclosures of cash flow information
Cash paid during the period for:
Interest	12,150^†	11,913^†	11,612^†	11,443	13,093^†	11,437^†	11,818^†	11,694
Income taxes	18^†	27^†	27^†	44	55^†	60^†	4^†	17
Supplemental noncash disclosures
Transfers of loans to other real estate owned	—	—	—	—	0^†	—	—	—
Lease liabilities arising from obtaining right-of-use assets	1,163^†	—	—	—	0^†	311^†	862^†	0

† 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.