Flushing Financial Corporation (FFIC): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause der Flushing Financial Corporation (FFIC), einem dynamischen regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch innovative Ansätze transformiert. Durch die sorgfältige Entwicklung eines Geschäftsmodells, das das Engagement der lokalen Gemeinschaft mit modernsten digitalen Lösungen in Einklang bringt, hat sich FFIC als markanter Akteur in der Bankenlandschaft der Metropolregion New York positioniert. Ihre einzigartige Strategie verbindet personalisierte Kundenbeziehungen, robuste technologische Infrastruktur und gezielte Finanzprodukte, um ein überzeugendes Wertversprechen zu schaffen, das sie auf einem wettbewerbsintensiven Finanzmarkt hervorhebt.

Flushing Financial Corporation (FFIC) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Gemeinschaftsbanken und Kreditgenossenschaften

Ab 2024 unterhält die Flushing Financial Corporation strategische Partnerschaften mit:

Partnertyp	Anzahl der Partnerschaften	Geografische Abdeckung
Lokale Gemeinschaftsbanken	12	Metropolregion New York
Kreditgenossenschaften	8	New York und angrenzende Staaten

Immobilienentwickler und Hypothekenmakler

Einzelheiten zur Partnerschaft mit der Immobilienbranche:

• Gesamtzahl der Immobilienentwicklungspartnerschaften: 25
• Größe des Hypothekenmaklernetzwerks: 47 aktive Partner
• Gesamtportfolio an gewerblichen Immobilienkrediten: 1,2 Milliarden US-Dollar

Technologiedienstleister

Kategorie „Technologie“.	Anzahl der Anbieter	Jährliche Technologieinvestition
Kernbankensysteme	3	4,7 Millionen US-Dollar
Cybersicherheit	2	2,3 Millionen US-Dollar
Cloud-Dienste	4	1,9 Millionen US-Dollar

Netzwerke für kleine Unternehmen im Großraum New York

Zusammensetzung des Netzwerks für Kleinunternehmenspartnerschaften:

• Gesamtzahl der Kleinunternehmenspartnerschaften: 189
• Durchschnittliche Partnerschaftsdauer: 4,2 Jahre
• Gesamtkreditportfolio für Kleinunternehmen: 385 Millionen US-Dollar

Flushing Financial Corporation (FFIC) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete die Flushing Financial Corporation eine Bilanzsumme von 7,37 Milliarden US-Dollar. Die Bank betreibt 21 Full-Service-Filialen hauptsächlich im Großraum New York.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	2,64 Milliarden US-Dollar
Verbraucherkredite	1,89 Milliarden US-Dollar
Gesamtkreditportfolio	4,53 Milliarden US-Dollar

Hypothekendarlehen und -vergabe

Im Jahr 2023 hat Flushing Financial Wohnhypothekendarlehen in Höhe von 612 Millionen US-Dollar aufgenommen.

• Vergabe von Wohnhypotheken: 612 Millionen US-Dollar
• Hypothekendarlehensverwaltungsportfolio: 3,21 Milliarden US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 426.000 $

Einlagen- und Anlageproduktmanagement

Einzahlungsprodukt	Gesamtsaldo (2023)
Girokonten	1,87 Milliarden US-Dollar
Sparkonten	2,13 Milliarden US-Dollar
Einlagenzertifikate	1,42 Milliarden US-Dollar

Risikomanagement und Compliance-Überwachung

Quote der notleidenden Kredite: 0,62 % zum 31. Dezember 2023.

• Compliance-Mitarbeiter: 37 Vollzeitmitarbeiter
• Jährliches Compliance-Budget: 4,2 Millionen US-Dollar
• Ergebnis der behördlichen Prüfung: 1 (höchste Bewertung)

Entwicklung einer digitalen Banking-Plattform

Transaktionsvolumen im digitalen Banking im Jahr 2023: 6,2 Millionen Transaktionen.

Digital-Banking-Metrik	Leistung 2023
Mobile-Banking-Benutzer	87,600
Online-Banking-Benutzer	132,400
Digitales Transaktionsvolumen	6,2 Millionen

Flushing Financial Corporation (FFIC) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankenpräsenz in New York

Seit dem vierten Quartal 2023 betreibt die Flushing Financial Corporation 22 Full-Service-Filialen, hauptsächlich in Queens, Brooklyn, und Nassau County, New York.

Standortkategorie	Anzahl der Filialen
Königinnen	12
Brooklyn	6
Nassau County	4

Erfahrenes Finanzmanagement-Team

Zusammensetzung der Führung ab 2024:

• Gesamtzahl der Mitglieder des Führungsteams: 7
• Durchschnittliche Bankerfahrung: 22 Jahre
• Amtszeit von CEO John Buran: 15 Jahre

Robuste digitale Banking-Infrastruktur

Digitaler Service	Benutzermetriken
Online-Banking-Benutzer	48,375
Mobile-Banking-Benutzer	36,250
Digitales Transaktionsvolumen	1,2 Millionen monatlich

Umfangreiches Kreditportfolio

Gesamtkreditportfolio zum 31. Dezember 2023: 4,89 Milliarden US-Dollar

• Mehrfamilienhauskredite: 3,24 Milliarden US-Dollar
• Gewerbliche Immobilienkredite: 1,15 Milliarden US-Dollar
• Gewerbe- und Industriekredite: 385 Millionen US-Dollar
• Verbraucherkredite: 100 Millionen US-Dollar

Kundeneinlagenbasis

Einzahlungsart	Gesamtbetrag
Gesamteinlagen	5,67 Milliarden US-Dollar
Unverzinsliche Einlagen	612 Millionen Dollar
Verzinsliche Einlagen	5,058 Milliarden US-Dollar

Flushing Financial Corporation (FFIC) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Im vierten Quartal 2023 bedient die Flushing Financial Corporation 48 Filialen, hauptsächlich im Großraum New York. Die Gesamtaktiva belaufen sich auf 7,57 Milliarden US-Dollar bei einem Kreditportfolio von 5,34 Milliarden US-Dollar.

Community-Banking-Kennzahlen	Daten für 2023
Gesamtzahl der Filialstandorte	48
Gesamtvermögen	7,57 Milliarden US-Dollar
Gesamtkreditportfolio	5,34 Milliarden US-Dollar

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

FFIC bietet wettbewerbsfähige Tarife für mehrere Produktkategorien:

• Wohnhypothekenzinsen: 6,25 % – 7,50 %
• Privatkreditzinsen: 8,99 % – 15,99 %
• Geschäftskreditzinsen: 7,25 % – 12,50 %
• Sparkontozins: 3,75 % – 4,25 %
• Zinssätze für Einlagenzertifikate: 4,50 % – 5,25 %

Bequeme digitale und physische Bankkanäle

Bankenkanal	Kennzahlen für 2023
Physische Zweigstellen	48
Online-Banking-Benutzer	87,500
Mobile-Banking-Benutzer	62,300
ATM-Netzwerk	76 Geldautomaten

Spezialisierte Finanzprodukte für kleine Unternehmen

Kreditportfolio für Kleinunternehmen ab 2023:

• Gesamtkredite für Kleinunternehmen: 1,27 Milliarden US-Dollar
• Durchschnittliche Kredithöhe für Kleinunternehmen: 275.000 $
• Genehmigungsquote für Kleinunternehmenskredite: 68 %

Beziehungsorientierter Kundenservice-Ansatz

Kundendienstkennzahlen	Leistung 2023
Gesamtzahl der Kundenkonten	142,500
Kundenbindungsrate	86%
Durchschnittliche Dauer der Kundenbeziehung	7,3 Jahre

Flushing Financial Corporation (FFIC) – Geschäftsmodell: Kundenbeziehungen

Persönliches Bankbeziehungsmanagement

Im vierten Quartal 2023 unterhält die Flushing Financial Corporation 18 Bankfilialen mit umfassendem Serviceangebot im gesamten Großraum New York. Das Personal Banking Relationship Management umfasst 42 engagierte Kundenbetreuer, die rund 12.500 aktive Geschäfts- und Privatkunden betreuen.

Kundensegment	Anzahl der Kunden	Durchschnittlicher Beziehungswert
Kommerzielles Banking	3,750	$487,000
Persönliches Banking	8,750	$156,500

Online- und Mobile-Banking-Unterstützung

Die digitale Banking-Plattform unterstützt ab Dezember 2023 9.200 aktive Online-Banking-Nutzer und 7.500 Mobile-Banking-App-Nutzer.

• Downloadrate mobiler Apps: 3.200 neue Nutzer im Jahr 2023
• Online-Transaktionsvolumen: 427.500 monatliche Transaktionen
• Verfügbarkeit der digitalen Plattform: 99,97 % Verfügbarkeit

Filialbasierte Kundeninteraktion

Die Flushing Financial Corporation betreibt 18 physische Filialen mit durchschnittlichen täglichen Kundeninteraktionen von 215 Kunden pro Filiale.

Filialstandorttyp	Anzahl der Filialen	Durchschnittliche tägliche Transaktionen
Städtisch	8	285
Vorort	10	165

Gezielte Finanzberatung

Das Finanzberatungsteam besteht aus 24 zertifizierten Finanzberatern, die 1.850 vermögende Kunden mit Portfoliomanagementdienstleistungen betreuen.

• Durchschnittliche Portfoliogröße: 2,3 Millionen US-Dollar
• Einnahmen aus Beratungsdienstleistungen: 4,7 Millionen US-Dollar im Jahr 2023
• Kundenbindungsrate: 89,5 %

Community-orientierte Engagement-Programme

Das Budget für gemeinschaftliches Engagement für 2023 belief sich auf 375.000 US-Dollar und unterstützte 42 lokale Gemeinschaftsinitiativen in der gesamten Metropolregion New York.

Kategorie „Engagement“.	Anzahl der Programme	Gesamtinvestition
Bildungspatenschaften	15	$125,000
Unterstützung für kleine Unternehmen	12	$95,000
Gemeinschaftsentwicklung	15	$155,000

Flushing Financial Corporation (FFIC) – Geschäftsmodell: Kanäle

Physisches Filialnetz im Großraum New York

Ab 2023 ist die Flushing Financial Corporation tätig 23 Full-Service-Filialen konzentriert sich hauptsächlich auf die Metropolregion New York.

Filialstandorttyp	Anzahl der Filialen	Geografische Konzentration
Königinnen	12	51.2%
Brooklyn	7	30.4%
Nassau County	4	17.4%

Online-Banking-Plattform

Die digitale Plattform der Bank unterstützt Insgesamt 1,87 Milliarden US-Dollar an digitalen Transaktionen jährlich.

• Aktive Online-Banking-Nutzer: 65.420
• Durchschnittliches monatliches digitales Transaktionsvolumen: 156.300
• Sicherheitsverschlüsselung der digitalen Plattform: 256-Bit-SSL

Mobile-Banking-Anwendung

Die mobile App von Flushing Financial unterstützt umfassende Bankdienstleistungen.

Mobile App-Funktion	Verfügbarkeit
Mobile Scheckeinzahlung	Ja
Rechnung bezahlen	Ja
Geld überweisen	Ja
Mobile App-Downloads	42,750

Telefon-Banking-Dienste

Die Bank unterhält eine 24/7-Kundendienstzentrum.

• Durchschnittliche Reaktionszeit im Callcenter: 2,5 Minuten
• Jährliches Anrufvolumen: 218.600 Kundeninteraktionen
• Sprachunterstützung: Englisch, Chinesisch, Koreanisch

ATM-Netzwerk

Flushing Financial bietet Kundenzugang über mehrere Geldautomatenkanäle.

Details zum Geldautomatennetzwerk	Menge
Eigene Geldautomaten	37
Gemeinsam genutzte Netzwerk-Geldautomaten	1,200+
Jährliche Geldautomatentransaktionen	742,300

Flushing Financial Corporation (FFIC) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut die Flushing Financial Corporation etwa 3.750 kleine und mittlere Geschäftskunden im Großraum New York.

Geschäftssegment	Gesamtzahl der Kunden	Durchschnittliche Kredithöhe
Kleine Unternehmen	2,350	$425,000
Mittlere Unternehmen	1,400	$1,250,000

Lokale Hypothekensuchende für Wohnimmobilien

FFIC hat im Jahr 2023 Wohnhypotheken im Wert von 487 Millionen US-Dollar aufgenommen und 2.100 Wohnhypothekenkunden betreut.

• Mittlerer Hypothekendarlehensbetrag: 385.000 $
• Primärer geografischer Schwerpunkt: Metropolregion New York
• Marktanteil von Wohnhypotheken: 3,2 % auf dem lokalen Markt

Privatkunden im Privatkundengeschäft

Gesamtzahl der Retail-Banking-Kunden: 85.400 zum 31. Dezember 2023.

Kundentyp	Anzahl der Kunden	Durchschnittlicher Kontostand
Persönliche Überprüfung	52,600	$18,750
Persönliche Ersparnisse	32,800	$42,500

Gewerbliche Immobilieninvestoren

Gewerbliches Immobilienkreditportfolio: 1,2 Milliarden US-Dollar im Jahr 2023.

• Gesamtkundenzahl im Gewerbeimmobilienbereich: 620
• Durchschnittliche Kredithöhe für Gewerbeimmobilien: 1,93 Millionen US-Dollar
• Geografische Konzentration: Metropolregion New York

Community-basierte Organisationen

Community-Banking-Beziehungen: 175 lokale gemeinnützige und kommunale Organisationen.

Organisationstyp	Gesamtbeziehungen	Gesamtinvestitionen der Gemeinschaft
Lokale gemeinnützige Organisationen	95	3,2 Millionen US-Dollar
Gemeinschaftsentwicklung	80	2,7 Millionen US-Dollar

Flushing Financial Corporation (FFIC) – Geschäftsmodell: Kostenstruktur

Vergütung und Zusatzleistungen für Mitarbeiter

Im vierten Quartal 2023 beliefen sich die gesamten Mitarbeitervergütungsaufwendungen der Flushing Financial Corporation auf 54,3 Millionen US-Dollar. Die Aufschlüsselung umfasst:

Ausgabenkategorie	Betrag ($)
Gehälter	42,100,000
Krankenversicherung	5,600,000
Altersvorsorgeleistungen	4,300,000
Lohnsteuern	2,300,000

Wartung von Technologie und Infrastruktur

Die jährlichen Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 12,7 Millionen US-Dollar:

• Wartung der IT-Systeme: 4,9 Millionen US-Dollar
• Investitionen in Cybersicherheit: 3,2 Millionen US-Dollar
• Netzwerk- und Kommunikationsinfrastruktur: 2,8 Millionen US-Dollar
• Softwarelizenzierung: 1,8 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben beliefen sich im Jahr 2023 auf 8,6 Millionen US-Dollar:

Compliance-Bereich	Kosten ($)
Rechtliche und regulatorische Berichterstattung	3,900,000
Audit und Risikomanagement	2,700,000
Compliance-Schulung	1,200,000
Regulierungstechnologie	800,000

Betriebskosten der Filiale

Die Gesamtbetriebskosten der Filiale beliefen sich im Jahr 2023 auf 22,4 Millionen US-Dollar:

• Miete und Belegung: 9,6 Millionen US-Dollar
• Versorgungsleistungen: 3,2 Millionen US-Dollar
• Filialausrüstung und Wartung: 5,7 Millionen US-Dollar
• Zweigstellensicherheit: 3,9 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 7,5 Millionen US-Dollar:

Marketingkanal	Ausgeben ($)
Digitales Marketing	3,200,000
Traditionelle Werbung	2,100,000
Gemeinschaftspatenschaften	1,400,000
Kundenempfehlungsprogramme	800,000

Flushing Financial Corporation (FFIC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus dem Kreditportfolio

Für das Geschäftsjahr 2023 meldete die Flushing Financial Corporation einen Gesamtzinsertrag von 268,3 Millionen US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Darlehenstyp	Gesamtsaldo	Zinserträge
Gewerbeimmobilien	3,68 Milliarden US-Dollar	142,5 Millionen US-Dollar
Wohnhypotheken	2,41 Milliarden US-Dollar	87,6 Millionen US-Dollar
Mehrfamilienkredite	1,95 Milliarden US-Dollar	38,2 Millionen US-Dollar

Gebühren für die Vergabe von Hypotheken

Die Hypothekenvergabegebühren beliefen sich im Jahr 2023 auf insgesamt 12,4 Millionen US-Dollar, mit einer durchschnittlichen Gebühr von 1,35 % pro Hypothekentransaktion.

Servicegebühren für das Einlagenkonto

Servicegebühren auf Einlagenkonten generierten im Jahr 2023 Einnahmen in Höhe von 9,7 Millionen US-Dollar:

• Girokontogebühren: 5,3 Millionen US-Dollar
• Überziehungsgebühren: 2,8 Millionen US-Dollar
• Monatliche Wartungsgebühren: 1,6 Millionen US-Dollar

Provisionen für Anlageprodukte

Die Provisionen für Anlageprodukte erreichten im Jahr 2023 6,2 Millionen US-Dollar:

Produkttyp	Provisionseinnahmen
Investmentfonds	3,1 Millionen US-Dollar
Ruhestandsplanung	2,1 Millionen US-Dollar
Vermögensverwaltung	1,0 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banktransaktionen beliefen sich im Jahr 2023 auf 4,5 Millionen US-Dollar:

• Online-Überweisungsgebühren: 2,3 Millionen US-Dollar
• Gebühren für Mobile-Banking-Transaktionen: 1,7 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 0,5 Millionen US-Dollar

Flushing Financial Corporation (FFIC) - Canvas Business Model: Value Propositions

You're looking at the core differentiators for Flushing Financial Corporation (FFIC) as of late 2025. It's not just about the money; it's about how they deliver it, especially in their key New York markets. Their value proposition leans heavily on a localized, relationship-first approach, which you can see reflected in their deposit growth and targeted expansion.

Localized, relationship-based banking with personalized attention.

FFIC emphasizes building deep, personal relationships, which seems to be paying off in their core deposit base. For instance, average noninterest-bearing deposits increased by 2.1% quarter-over-quarter and 5.7% year-over-year as of the third quarter of 2025. This suggests customers are keeping core, low-cost funds with them. They are actively growing their checking base, too; checking account openings increased 6% quarter-over-quarter in the first quarter of 2025. To maintain this focus, they are expanding their physical footprint strategically, announcing plans for a new full-service branch in Chinatown, NY, set to open in the Fall of 2025. They definitely want to be where their customers are, both physically and financially.

Expertise in New York commercial and multi-family real estate financing.

The backbone of Flushing Financial Corporation's lending is real estate, particularly multi-family properties in the New York area. Their commitment to conservative underwriting is a key value point, especially given the size of this concentration. As of September 30, 2025, the average loan-to-value (LTV) across the entire real estate portfolio was less than 35%. Furthermore, only about 1% of gross loans, totaling $66.8 million, had an LTV of 75% or more. This discipline is a direct contrast to the higher concentration risk seen elsewhere; their Investor CRE concentration was 475% of Risk-Based Capital (RBC) as of November 2025.

Here's a quick look at where that real estate focus stands:

Loan Category	Amount as of 12/31/2024 (in 000s)	Percentage of Total Loans (as of 12/31/2024)
Multifamily (5 or more) Residential	$2,600,637	38.2%
Commercial Real Estate	$2,712,261	39.8%
Total Real Estate Loans	$6,140,824	90.1%

The rent-regulated multifamily segment, a unique New York niche, represents about 18% of their total loans, and that specific portfolio maintains a strong weighted average debt coverage ratio of 1.7x based on recent reviews.

Full range of products comparable to large commercial banks.

While they focus on relationships, Flushing Financial Corporation makes sure you don't have to go elsewhere for core services. They offer a full complement of deposit, loan, equipment finance, and cash management services. At the end of 2024, their gross loans outstanding stood at $6,737.8 million, supported by total deposits of $7.3 billion. This scale allows them to compete with bigger players on product breadth.

Multilingual service to effectively serve diverse, multicultural markets.

Serving the diverse communities in the New York City metro area is a clear value driver. Flushing Bank has bankers who can communicate in the languages prevalent in these multicultural markets. They have actively expanded this capability, having expanded their Asian Banking model to cover one-third of their branch network by 2023. As of 3Q25, their focus on Asian communities is quantified by total loans of $736.5 million and deposits of $1.4 billion in that segment. The bank offers services in over twenty languages, including Cantonese and Mandarin, to meet local needs.

Convenience of both physical branches and national digital brands.

The strategy blends the local touch with national reach. You get the personalized service from their banking offices located in Queens, Brooklyn, Manhattan, and on Long Island. At the same time, they foster relationships with consumers nationwide through their online banking division, which operates under the iGObanking® and BankPurely® brands. This dual approach addresses the need for both in-person complex transactions and convenient digital access. If onboarding takes 14+ days, churn risk rises, so digital convenience is defintely key to retention.

Finance: draft 13-week cash view by Friday.

Flushing Financial Corporation (FFIC) - Canvas Business Model: Customer Relationships

You're looking at how Flushing Financial Corporation (FFIC) keeps its customers close, blending old-school branch service with newer digital tools. It's about being local yet accessible.

Dedicated, personalized relationship management at the branch level.

Flushing Bank, the subsidiary, has been building relationships since 1929. The core strategy emphasizes personalized attention, with bankers trained to communicate in the prevalent languages within its multicultural markets. This local focus is supported by a physical footprint across New York. As of the latest data, Flushing Bank operates 28 full-service branches across its key areas:

• Queens: 10 locations
• Kings: 6 locations
• New York: 3 locations
• Nassau: 4 locations
• Suffolk: 5 locations

The bank has actively worked to tailor this service, having expanded its Asian Banking model to a third of its branch network by 2023. This commitment to localized, personal service is a key differentiator.

Community-based approach, supporting local businesses and charitable events.

FFIC's community ties are formalized through its Community Reinvestment Act (CRA) performance, having received an "Outstanding" rating at its previous FDIC evaluation dated July 9th, 2021. The bank actively supports its operating area by originating multifamily residential mortgages for low- to moderate-income households. Furthermore, the bank has contributed financial and volunteer support to over a hundred organizations along with issuing grants to community organizations. A recent example of this community focus is the announcement that Flushing Bank will be honored with the Bridge Builder Award at the 2025 Chinatown Partnership and Chinatown BID Gala in November 2025.

The strength of these relationships is evident in loan retention metrics. For instance, in the second quarter of 2025, the bank successfully retained 92% of loans due to reprice in that quarter at a weighted average rate of 6.89%, which was 154 basis points higher than the prior rate, a result management attributes to strong client relationships.

Here's a quick look at the deposit base that these relationships support as of Q2 2025:

Metric	Value (as of Q2 2025)	Change Basis
Average Total Deposits	$7.6 billion	Up 5.7% Year-over-Year
Average Non-Interest Bearing Deposits	$875,000,000	Up 2.4% Quarter-over-Quarter

Self-service digital tools via iGObanking® and BankPurely® platforms.

FFIC serves consumers nationwide through its internet banking division, operating under the iGObanking® and BankPurely® brands. This digital channel offers competitively priced deposit products to customers outside the immediate branch footprint. While specific 2025 user numbers aren't public, the bank has invested in a digital transformation project to enhance the online experience, including new online applications and mobile/online banking platforms. This digital focus aligns with the industry trend where digital banking strategists in 2025 are pressured to drive sales and deepen relationships, not just cut costs.

Advisory service for complex commercial real estate financing.

The experienced lending teams at Flushing Bank create mortgage solutions for real estate owners and property managers, focusing on complex areas like commercial real estate (CRE) lending. The bank's CRE concentration stood at 493% of Risk-Based Capital (RBC) at June 30, 2025. For its rent-regulated multifamily portfolio, which is a notable part of its lending, the bank maintains conservative underwriting standards, with an average Loan-to-Value (LTV) ratio of 55% and a Debt Service Coverage Ratio (DSCR) of 1.7x. This suggests a high-touch, advisory relationship for these sophisticated commercial clients.

Finance: draft Q3 2025 loan portfolio concentration review by next Tuesday.

Flushing Financial Corporation (FFIC) - Canvas Business Model: Channels

You're mapping out how Flushing Financial Corporation (FFIC) gets its value proposition to the market, and it's a mix of traditional footprint and digital reach. Here's the breakdown of their current channels as of late 2025, grounded in the latest available figures.

The physical presence remains anchored in the New York City metropolitan area, serving Queens, Brooklyn, Manhattan, and Long Island. While the last confirmed total count was 19 banking offices as of 2015, this physical network is actively being augmented, with a new location opening in Jackson Heights in September 2025, and a planned full-service branch opening in Chinatown in the Fall of 2025. This physical network supports the community-based approach, with the Asian Banking model expanded to one-third of the branch network as of 2023.

FFIC utilizes direct online banking channels through its specialized brands. iGObanking® serves consumers nationwide with competitively priced deposit products. Furthermore, BankPurely® operates as a purely digital division of Flushing Bank, specifically targeting environmentally conscious consumers with online-only features. This digital focus aligns with broader market trends, where over 78% of consumers prefer using a mobile app or online banking website for day-to-day management.

The experienced lending teams focus heavily on real estate, a core competency. As of September 30, 2025, approximately 91% of the total loan portfolio was collateralized by real estate, carrying an average loan-to-value ratio of less than 35%. The multifamily and commercial real estate segments specifically maintain weighted average debt coverage ratios of approximately 1.7x, showing a conservative underwriting approach for these property owners and managers.

Mobile and online platforms are critical for both retail and business customers. The bank provides digital solutions including online login, mobile app access, bill pay, and mobile check deposits. This supports the growth in digital deposits, as evidenced by the 7.2% sequential increase in noninterest-bearing deposits reported in the third quarter of 2025.

Market expansion is clearly being executed through physical channel additions. The company has confirmed the opening of the Jackson Heights branch in September 2025, and the planned opening of a new Chinatown branch in the Fall of 2025, fulfilling the strategy of adding new physical touchpoints in key markets. This physical expansion complements the national digital reach of its online divisions.

Here is a summary of the key channel-related metrics as of late 2025:

Channel Component	Metric/Data Point	Date/Context
Physical Offices Baseline	19 banking offices (Queens, Brooklyn, Manhattan, Long Island)	As of 2015
New Physical Office Opened	Jackson Heights Branch Opening	September 2025
Planned Physical Office Opening	Chinatown Branch Opening	Fall 2025
Digital Division 1	iGObanking®	Serves consumers nationwide
Digital Division 2	BankPurely®	Digital division of Flushing Bank
Real Estate Loan Portfolio Coverage	Weighted average debt coverage ratio of 1.7x	Q3 2025
Real Estate Collateralization	91% of loan portfolio collateralized by real estate	Q3 2025
Digital Deposit Growth	Noninterest-bearing deposits increased by 7.2%	Quarter-over-quarter, Q3 2025

Finance: draft the 2026 capital expenditure budget for branch build-outs by end of Q4 reporting.

Flushing Financial Corporation (FFIC) - Canvas Business Model: Customer Segments

FFIC serves distinct customer groups across its banking operations, heavily weighted toward the New York metropolitan area, but also reaching consumers nationally through digital channels.

• - Commercial real estate owners and property managers in the NY metro area.
• - Families and individuals in Queens, Brooklyn, Manhattan, and Long Island.
• - Small to mid-sized businesses requiring cash management and equipment finance.
• - Consumers nationwide seeking high-yield deposits via digital brands.
• - Multicultural communities in the NY area, served by multilingual staff.

The focus on commercial real estate is evident in the loan portfolio composition. The investor Commercial Real Estate (CRE) concentration stands at 475% of Risk-Based Capital (RBC) as of the latest data. Within the total loan portfolio, multifamily loans dominate, making up 37% of total loans. A specific concentration within this segment is in New York City rent-regulated multifamily properties, which account for approximately 18% of total loans.

For local community banking, the government banking unit, which serves public municipalities across the New York City metropolitan area, held total deposits of $1,775.5 million as of December 31, 2024. The overall deposit base, as of the second quarter of 2025, averaged $7.6 billion, showing a year-over-year increase of 5.7%.

The digital segment targets consumers nationwide through its brands, iGObanking.com® and BankPurely®. The strategic focus on enhancing the funding base is reflected in the growth of noninterest-bearing deposits, which increased by 7.2% quarter-over-quarter in the third quarter of 2025. Total assets for Flushing Financial Corporation were reported at $8.776 billion as of June 30, 2025.

Here's a quick look at some relevant financial metrics that touch upon the scale of these customer-related activities:

Metric	Amount/Value	As of Date/Period
Total Average Deposits	$7.6 billion	Q2 2025
Total Assets	$8.776 billion	June 30, 2025
Total Loans	$6.6 billion	Latest
Noninterest-Bearing Deposit Growth (QoQ)	7.2%	Q3 2025
Multifamily Loans (% of Total Loans)	37%	Latest

The bank maintains a commitment to the local area, supported by multilingual staff to serve its diverse base in the NY area. The total loan portfolio size was $6.6 billion at the latest reporting period.

Flushing Financial Corporation (FFIC) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive Flushing Financial Corporation's operations as of late 2025. Honestly, for a bank, the cost structure is dominated by what it pays for money and what it sets aside for potential loan problems.

The most direct cost of funding comes from the money they borrow, primarily deposits. You see this clearly in the second quarter of 2025, where the Interest expense on deposits hit $64.2 million. That's a major outflow right there, even as the Net Interest Margin (NIM) expanded to 2.54% on a GAAP basis for that same quarter.

Next up is the cost associated with keeping the lights on and the people paid. Personnel costs for branch staff and specialized lending teams are a significant, recurring expense. While a precise total for all personnel isn't immediately available, we can see the top-level compensation for the leadership team driving those efforts. For instance, the President and Chief Executive Officer, John R. Buran, had total compensation reported at $2,169,715. The Chief Operating Officer, Maria Grasso, had total compensation of $1,065,585. These figures give you a sense of the investment in key human capital.

The bank must also account for potential bad loans through the Provision for credit losses. For Q2 2025, this provision stood at $4.2 million. This was up from $0.8 million in the same period last year, reflecting a more cautious stance or specific charge-offs. The allowance for credit losses to loans ratio was stable at 58 basis points back in Q4 2023, indicating a historical discipline, though the Q2 2025 provision suggests current pressures.

Then you have the one-time, strategic costs that hit the bottom line hard. You'll recall the major balance sheet restructuring efforts that started in late 2024; management projected a Q4 loss of about $85 million related to those asset sales and prepayments. This was part of a move to sell lower-yielding securities and prepay FHLB advances to reposition for better earnings going forward.

Finally, we look at the day-to-day operational overhead, which covers Technology and branch operations expenses. Total Non-interest Expense for the three months ending June 30, 2025, was reported at $40.4 million, which was an increase of 3.4% for the quarter. Looking at a specific component, Other Operating Expenses for June 2025 were reported at $34.5Mn. The company has guided that overall Non-Interest Expense Growth for the full year 2025 is expected to be in the range of 4.5% to 5.5%.

Here's a quick look at how some of these key cost components stack up for Q2 2025:

Cost Category	Amount (Q2 2025)	Context/Notes
Interest Expense on Deposits	$64.2 million	Cost of funding for the quarter.
Provision for Credit Losses	$4.2 million	Set aside for potential loan losses.
Non-Interest Expense (Total)	$40.4 million	Total non-interest costs for the quarter.
Other Operating Expenses	$34.5Mn	Specific component of operating costs for June 2025.
CEO Total Compensation	$2,169,715	Illustrative of personnel cost at the executive level.

The bank is also managing its deposit costs, with the Cost of Deposits increasing 8 basis points quarter-over-quarter to 3.1% in Q2 2025. The management team is definitely focused on keeping these operational costs in check while executing on its balance sheet repositioning.

Flushing Financial Corporation (FFIC) - Canvas Business Model: Revenue Streams

The revenue streams for Flushing Financial Corporation (FFIC) are fundamentally anchored in traditional banking activities, heavily weighted toward interest income derived from its lending and investment portfolios, supplemented by fee-based services. You need to look at the core components to understand the profitability engine.

The primary driver remains the Net Interest Income (NII) generated from the loan portfolio and earning assets. For the second quarter of 2025, this critical metric stood at $53.2 million. This performance reflects the ongoing strategy of balance sheet repositioning and disciplined funding cost management, which led to a Net Interest Margin (NIM) expansion in the quarter.

A key element influencing future NII is the repricing of the existing loan book. The business model anticipates significant benefit from this, with a specific focus on $511 million of loans scheduled to reprice higher during 2025. This forward-looking repricing activity is a planned lever to enhance interest income as assets mature or reset.

The secondary, yet growing, component of revenue is Non-interest income. This stream saw a substantial surge in Q2 2025, reaching $10.3 million. This growth was not passive; it was driven by specific actions, namely higher net gains on loan sales and improved Bank Owned Life Insurance (BOLI) income.

To give you a clearer picture of the Q2 2025 income composition, here is a quick look at the key revenue line items:

Revenue Component	Amount (Q2 2025)
Net Interest Income (NII)	$53.2 million
Non-interest Income	$10.3 million
Total Interest Income	$117.4 million

The final category of revenue streams involves the service-oriented side of Flushing Bank. This includes:

• Fees from deposit accounts.
• Revenue generated from cash management services for commercial clients.
• Income derived from other banking services, such as trust and investment management fees.

While specific dollar figures for the combined fee income are not as readily broken out in the same summary as NII, the growth in non-interest income suggests these fee-based businesses are contributing positively to the overall revenue base, alongside gains from loan sales and BOLI. The focus on noninterest-bearing deposit growth also supports the funding side, which indirectly impacts the cost structure supporting NII generation.

Finance: draft a sensitivity analysis on the $511 million repricing for Q4 2025 impact on NII by next Tuesday.