Flushing Financial Corporation (FFIC): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Flushing Financial Corporation (FFIC), uma potência bancária regional dinâmica que transforma os serviços financeiros tradicionais por meio de abordagens inovadoras. Ao elaborar meticulosamente um modelo de negócios que equilibra o envolvimento da comunidade local com soluções digitais de ponta, a FFIC se posicionou como um participante distinto na paisagem bancária metropolitana de Nova York. Sua estratégia exclusiva entrelaça relacionamentos personalizados do cliente, infraestrutura tecnológica robusta e produtos financeiros direcionados para criar uma proposta de valor convincente que os diferencia em um mercado financeiro competitivo.

Flushing Financial Corporation (FFIC) - Modelo de Negócios: Principais Parcerias

Bancos comunitários locais e cooperativas de crédito

A partir de 2024, a Flushing Financial Corporation mantém parcerias estratégicas com:

Tipo de parceiro	Número de parcerias	Cobertura geográfica
Bancos comunitários locais	12	Área metropolitana de Nova York
Cooperativas de crédito	8	Nova York e estados adjacentes

Recomendações imobiliárias e corretores hipotecários

Detalhes da parceria com setor imobiliário:

• Total de parcerias de desenvolvimento imobiliário: 25
• Tamanho da rede de corretores hipotecários: 47 parceiros ativos
• Portfólio de empréstimos imobiliários comerciais totais: US $ 1,2 bilhão

Provedores de serviços de tecnologia

Categoria de tecnologia	Número de provedores	Investimento de tecnologia anual
Sistemas bancários principais	3	US $ 4,7 milhões
Segurança cibernética	2	US $ 2,3 milhões
Serviços em nuvem	4	US $ 1,9 milhão

Redes de pequenas empresas na área metropolitana de Nova York

Composição de rede de parcerias para pequenas empresas:

• Total de pequenas empresas parcerias: 189
• Duração média da parceria: 4,2 anos
• Portfólio total de empréstimos para pequenas empresas: US $ 385 milhões

Flushing Financial Corporation (FFIC) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de consumo

No quarto trimestre 2023, a Flushing Financial Corporation registrou ativos totais de US $ 7,37 bilhões. O Banco opera 21 agências de serviço completo principalmente na área metropolitana de Nova York.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 2,64 bilhões
Empréstimos ao consumidor	US $ 1,89 bilhão
Portfólio total de empréstimos	US $ 4,53 bilhões

Empréstimos e originação hipotecária

Em 2023, a Flushing Financial originou US $ 612 milhões em empréstimos hipotecários residenciais.

• Origem da hipoteca residencial: US $ 612 milhões
• Portfólio de serviços de empréstimos hipotecários: US $ 3,21 bilhões
• Tamanho médio do empréstimo hipotecário: US $ 426.000

Gerenciamento de produtos de depósito e investimento

Produto de depósito	Balanço Total (2023)
Contas de verificação	US $ 1,87 bilhão
Contas de poupança	US $ 2,13 bilhões
Certificados de depósito	US $ 1,42 bilhão

Gerenciamento de riscos e monitoramento de conformidade

Razão de empréstimos não-desempenho: 0,62% em 31 de dezembro de 2023.

• Equipe de conformidade: 37 funcionários em tempo integral
• Orçamento anual de conformidade: US $ 4,2 milhões
• Pontuação do exame regulatório: 1 (classificação mais alta)

Desenvolvimento da plataforma bancária digital

Volume de transação bancária digital em 2023: 6,2 milhões de transações.

Métrica bancária digital	2023 desempenho
Usuários bancários móveis	87,600
Usuários bancários online	132,400
Volume de transação digital	6,2 milhões

Flushing Financial Corporation (FFIC) - Modelo de negócios: Recursos -chave

Forte presença bancária regional em Nova York

No quarto trimestre 2023, a Flushing Financial Corporation opera 22 agências de serviço completo localizadas principalmente em Queens, Brooklyn e Nassau County, Nova York.

Categoria de localização	Número de ramificações
Rainhas	12
Brooklyn	6
Condado de Nassau	4

Equipe de gestão financeira experiente

Composição de liderança em 2024:

• Total de membros da equipe executiva: 7
• Experiência bancária média: 22 anos
• Posse do CEO John Buran: 15 anos

Infraestrutura bancária digital robusta

Serviço digital	Métricas de usuário
Usuários bancários online	48,375
Usuários bancários móveis	36,250
Volume de transação digital	1,2 milhão mensalmente

Portfólio de empréstimos substanciais

Portfólio de empréstimos totais em 31 de dezembro de 2023: US $ 4,89 bilhões

• Empréstimos residenciais multifamiliares: US $ 3,24 bilhões
• Empréstimos imobiliários comerciais: US $ 1,15 bilhão
• Empréstimos comerciais e industriais: US $ 385 milhões
• Empréstimos ao consumidor: US $ 100 milhões

Base de depósito do cliente

Tipo de depósito	Montante total
Total de depósitos	US $ 5,67 bilhões
Depósitos de rolamento não interessantes	US $ 612 milhões
Depósitos portadores de juros	US $ 5,058 bilhões

Flushing Financial Corporation (FFIC) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para comunidades locais

A partir do quarto trimestre 2023, a Flushing Financial Corporation atende 48 localizações de filiais principalmente na área metropolitana de Nova York. Total de ativos relatados em US $ 7,57 bilhões com uma carteira de empréstimos de US $ 5,34 bilhões.

Métricas bancárias comunitárias	2023 dados
Locais totais de ramificação	48
Total de ativos	US $ 7,57 bilhões
Portfólio total de empréstimos	US $ 5,34 bilhões

Taxas de juros competitivas em empréstimos e depósitos

A FFIC oferece taxas competitivas em várias categorias de produtos:

• Taxas de hipoteca residencial: 6,25% - 7,50%
• Taxas de empréstimo pessoal: 8,99% - 15,99%
• Taxas de empréstimos comerciais: 7,25% - 12,50%
• Interesse da conta poupança: 3,75% - 4,25%
• Certificado de taxas de depósito: 4,50% - 5,25%

Canais bancários digitais e físicos convenientes

Canal bancário	2023 Métricas
Locais de ramificação física	48
Usuários bancários online	87,500
Usuários bancários móveis	62,300
Rede ATM	76 caixas eletrônicos

Produtos financeiros especializados para pequenas empresas

Portfólio de empréstimos para pequenas empresas a partir de 2023:

• Empréstimos totais para pequenas empresas: US $ 1,27 bilhão
• Tamanho médio de empréstimo para pequenas empresas: US $ 275.000
• Taxa de aprovação de empréstimos para pequenas empresas: 68%

Abordagem de atendimento ao cliente orientada por relacionamento

Métricas de atendimento ao cliente	2023 desempenho
Total de contas de clientes	142,500
Taxa de retenção de clientes	86%
Duração média do relacionamento do cliente	7,3 anos

Flushing Financial Corporation (FFIC) - Modelo de Negócios: Relacionamentos do Cliente

Gerenciamento de relacionamento bancário pessoal

A partir do quarto trimestre de 2023, a Flushing Financial Corporation mantém 18 agências bancárias de serviço completo na área metropolitana de Nova York. O gerenciamento de relacionamento bancário pessoal envolve 42 gerentes de relacionamento dedicados que atendem a aproximadamente 12.500 clientes bancários comerciais e pessoais ativos.

Segmento de clientes	Número de clientes	Valor médio do relacionamento
Bancos comerciais	3,750	$487,000
Bancos pessoais	8,750	$156,500

Suporte bancário online e móvel

A plataforma bancária digital suporta 9.200 usuários de bancos on -line ativos e 7.500 usuários de aplicativos bancários móveis em dezembro de 2023.

• Taxa de download de aplicativos móveis: 3.200 novos usuários em 2023
• Volume de transações online: 427.500 transações mensais
• Disponibilidade da plataforma digital: 99,97% de tempo de atividade

Interação do cliente baseada em ramificação

A Flushing Financial Corporation opera 18 filiais físicas com interações médias diárias de clientes de 215 clientes por filial.

Tipo de localização da filial	Número de ramificações	Transações diárias médias
Urbano	8	285
Suburbano	10	165

Serviços de consultoria financeira direcionada

A equipe de consultoria financeira consiste em 24 consultores financeiros certificados que atendem a 1.850 clientes de alta rede com serviços de gerenciamento de portfólio.

• Tamanho médio do portfólio: US $ 2,3 milhões
• Receita do Serviço Consultivo: US $ 4,7 milhões em 2023
• Taxa de retenção de clientes: 89,5%

Programas de engajamento focados na comunidade

O orçamento de envolvimento da comunidade para 2023 foi de US $ 375.000, apoiando 42 iniciativas comunitárias locais em toda a região metropolitana de Nova York.

Categoria de engajamento	Número de programas	Investimento total
Patrocínios educacionais	15	$125,000
Suporte para pequenas empresas	12	$95,000
Desenvolvimento comunitário	15	$155,000

Flushing Financial Corporation (FFIC) - Modelo de Negócios: Canais

Rede de filiais físicas na área metropolitana de Nova York

A partir de 2023, a Flushing Financial Corporation opera 23 locais de ramificação de serviço completo concentrado principalmente na área metropolitana de Nova York.

Tipo de localização da filial	Número de ramificações	Concentração geográfica
Rainhas	12	51.2%
Brooklyn	7	30.4%
Condado de Nassau	4	17.4%

Plataforma bancária online

A plataforma digital do banco suporta US $ 1,87 bilhão em transações digitais totais anualmente.

• Usuários bancários online ativos: 65.420
• Volume médio mensal de transação digital: 156.300
• Criptografia de segurança da plataforma digital: SSL de 256 bits

Aplicativo bancário móvel

O aplicativo móvel da Flushing Financial suporta Serviços bancários abrangentes.

Recurso de aplicativo móvel	Disponibilidade
Depósito de cheque móvel	Sim
Pagamento de contas	Sim
Transferir fundos	Sim
Downloads de aplicativos móveis	42,750

Serviços bancários telefônicos

O banco mantém um Centro de Suporte ao Cliente 24/7.

• Tempo médio de resposta do call center: 2,5 minutos
• Volume anual de chamada: 218.600 interações com os clientes
• Suporte ao idioma: inglês, chinês, coreano

Rede ATM

O Flushing Financial fornece acesso ao cliente por meio de vários canais de caixas eletrônicos.

Detalhes da rede ATM	Quantidade
Caixas eletrônicos proprietários	37
Caixas eletrônicos de rede compartilhada	1,200+
Transações anuais de atm	742,300

Flushing Financial Corporation (FFIC) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a Flushing Financial Corporation atende a aproximadamente 3.750 clientes comerciais pequenos e médios na área metropolitana de Nova York.

Segmento de negócios	Total de clientes	Tamanho médio do empréstimo
Pequenas empresas	2,350	$425,000
Médias empresas	1,400	$1,250,000

Buscadores de hipotecas residenciais locais

A FFIC originou US $ 487 milhões em hipotecas residenciais em 2023, atendendo a 2.100 clientes hipotecários residenciais.

• Valor mediano do empréstimo hipotecário: US $ 385.000
• Foco geográfico primário: região metropolitana de Nova York
• Participação de mercado de hipotecas residenciais: 3,2% no mercado local

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 85.400 em 31 de dezembro de 2023.

Tipo de cliente	Número de clientes	Saldo médio da conta
Verificação pessoal	52,600	$18,750
Economia pessoal	32,800	$42,500

Investidores imobiliários comerciais

Portfólio de empréstimos imobiliários comerciais: US $ 1,2 bilhão em 2023.

• Total de clientes imobiliários comerciais: 620
• Tamanho médio do empréstimo imobiliário comercial: US $ 1,93 milhão
• Concentração geográfica: área metropolitana de Nova York

Organizações comunitárias

Relacionamentos bancários comunitários: 175 organizações locais sem fins lucrativos e comunitárias.

Tipo de organização	Relacionamentos totais	Total de investimentos comunitários
Organizações sem fins lucrativos locais	95	US $ 3,2 milhões
Desenvolvimento comunitário	80	US $ 2,7 milhões

Flushing Financial Corporation (FFIC) - Modelo de Negócios: Estrutura de Custo

Compensação e benefícios dos funcionários

A partir do quarto trimestre de 2023, as despesas totais de remuneração de funcionários da Financial Corporation foram de US $ 54,3 milhões. O colapso inclui:

Categoria de despesa	Valor ($)
Salários	42,100,000
Seguro de saúde	5,600,000
Benefícios de aposentadoria	4,300,000
Impostos sobre folha de pagamento	2,300,000

Manutenção de tecnologia e infraestrutura

Os custos anuais de infraestrutura de tecnologia para 2023 totalizaram US $ 12,7 milhões:

• Manutenção de sistemas de TI: US $ 4,9 milhões
• Investimentos de segurança cibernética: US $ 3,2 milhões
• Infraestrutura de rede e comunicação: US $ 2,8 milhões
• Licenciamento de software: US $ 1,8 milhão

Despesas de conformidade regulatória

Os gastos relacionados à conformidade em 2023 totalizaram US $ 8,6 milhões:

Área de conformidade	Custo ($)
Relatórios legais e regulatórios	3,900,000
Auditoria e gerenciamento de riscos	2,700,000
Treinamento de conformidade	1,200,000
Tecnologia regulatória	800,000

Custos de operação da filial

As despesas operacionais totais de ramificação para 2023 foram de US $ 22,4 milhões:

• Aluguel e ocupação: US $ 9,6 milhões
• Utilitários: US $ 3,2 milhões
• Equipamento e manutenção da filial: US $ 5,7 milhões
• Segurança da filial: US $ 3,9 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 totalizaram US $ 7,5 milhões:

Canal de marketing	Gastar ($)
Marketing digital	3,200,000
Publicidade tradicional	2,100,000
Patrocínio da comunidade	1,400,000
Programas de referência ao cliente	800,000

Flushing Financial Corporation (FFIC) - Modelo de negócios: fluxos de receita

Receita de juros da carteira de empréstimos

Para o ano fiscal de 2023, a Flushing Financial Corporation registrou receita total de juros de US $ 268,3 milhões. A quebra da carteira de empréstimos é a seguinte:

Tipo de empréstimo	Balanço total	Receita de juros
Imóveis comerciais	US $ 3,68 bilhões	US $ 142,5 milhões
Hipotecas residenciais	US $ 2,41 bilhões	US $ 87,6 milhões
Empréstimos multifamiliares	US $ 1,95 bilhão	US $ 38,2 milhões

Taxas de originação hipotecária

As taxas de originação hipotecária de 2023 totalizaram US $ 12,4 milhões, com uma taxa média de 1,35% por transação hipotecária.

Cobranças de serviço da conta de depósito

As taxas de serviço em contas de depósito geraram US $ 9,7 milhões em receita para 2023:

• Taxas de conta corrente: US $ 5,3 milhões
• Cobranças de cheque especial: US $ 2,8 milhões
• Taxas mensais de manutenção: US $ 1,6 milhão

Comissões de produtos de investimento

As comissões de produtos de investimento atingiram US $ 6,2 milhões em 2023:

Tipo de produto	Receita da Comissão
Fundos mútuos	US $ 3,1 milhões
Planejamento de aposentadoria	US $ 2,1 milhões
Gestão de patrimônio	US $ 1,0 milhão

Taxas de transação bancária digital

As taxas de transação bancária digital totalizaram US $ 4,5 milhões em 2023:

• Taxas de transferência online: US $ 2,3 milhões
• Taxas de transação bancária móvel: US $ 1,7 milhão
• Taxas de transação ATM: US $ 0,5 milhão

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.