Hegra Sparebank reports strong Q3 2025 earnings and capital growth

Hegra Sparebank's Q3 2025 financial report reveals a pre-tax profit of NOK 65.4 million year-to-date, an increase from NOK 57.4 million in the same period of 2024. This growth was driven by a 14.1% rise in net interest income for the group, primarily due to increased lending volumes and amortization effects. The bank also improved its cost-to-income ratio to 41.1% for the first nine months of the year, down from 44.6% in 2024.

The bank's total business capital reached NOK 6.145 billion, with a 12-month loan growth of 5.3%, equivalent to NOK 249 million. Solid capital adequacy was maintained, with a common equity tier 1 capital ratio of 24.2% (excluding current year's profit) and an annualized return on equity of 11.7% (excluding subordinated debt).

Hegra Sparebank's liquidity remains strong, and its risk management is effective, evidenced by consistently low confirmed losses over the years. The bank's consolidated responsible capital adequacy stands at 25.6%, underscoring its financial stability and capacity for sustained growth within its region.