<p>明尼阿波利斯 --（商业资讯）-- 在 2025 年 12 月 23 日，Alerus Financial Corporation（纳斯达克：ALRS，以下简称 “公司”）出售了价值 3.6 亿美元的可供出售（“AFS”）证券，占总 AFS 证券的 68% 以上。出售的证券的加权平均收益率为 1.7%，加权平均久期为 5.1 年。此次出售导致了一次性税前净损失 6850 万美元。</p>
<p>公司将证券出售所得的现金再投资于新的投资证券，其加权平均收益率为 4.7%，加权平均久期略超过 3 年。公司现在预计 2026 年的净利差将为 3.50% 至 3.60%，而之前在公司第三季度财报中提供的指导为 3.35% 至 3.45%。预计到 2025 年底，风险基础资本指标将高于监管限额和内部目标。证券投资组合的重组对有形资本没有影响，并为公司在 2026 年及以后实现更高的收益和改善的财务回报奠定了基础。</p>
<p>总裁兼首席执行官凯蒂·洛伦森（Katie Lorenson）评论道：“我们在 2025 年的重点是降低风险并改善回报，而不影响我们的长期战略。在下半年，我们执行了一项有针对性的去杠杆计划——积极管理贷款偿还和削减边际信贷——以加强我们的资产负债表并提高灵活性。随着资本的积累和利率动态的改善，我们对可供出售投资组合采取了有纪律的行动，以更好地将资产与我们的有机增长预期对齐。我们评估了但没有追求全面的资产负债表重组，因为这将需要稀释普通股的发行。我们采取的这些谨慎步骤使 Alerus 在 2026 年能够实现更强的业绩和有形账面价值增长，并展示了我们为客户、社区和股东创造长期可持续价值的承诺。”</p>
<p><strong>关于 Alerus Financial Corporation</strong></p>
<p>Alerus Financial Corporation（纳斯达克：ALRS）是一家商业财富银行和国家退休服务提供商，企业总部位于北达科他州的格兰德福克斯，以及明尼苏达州的明尼阿波利斯 - 圣保罗大都市区。通过其子公司 Alerus Financial, National Association，Alerus 为企业和消费者客户提供多样化和全面的金融解决方案，包括银行、财富服务以及退休和福利计划及服务。Alerus 为客户提供一个主要的联系点，以帮助他们充分理解其独特需求和交付渠道偏好。客户可以获得具有竞争力的产品、有价值的见解和可靠的建议，支持这些服务的数字解决方案旨在满足他们的需求。</p>
<p>Alerus 在北达科他州的格兰德福克斯和法戈、明尼苏达州的明尼阿波利斯 - 圣保罗大都市区、明尼苏达州的罗切斯特、南明尼苏达州、爱荷华州的马歇尔敦、威斯康星州的皮沃基、亚利桑那州的凤凰城和斯科茨代尔运营 27 个银行和商业财富办公室。Alerus 退休和福利业务为美国各地的顾问、经纪人、雇主和计划参与者提供服务。</p>
<p><strong>前瞻性声明</strong></p>
<p>本新闻稿包含根据 1995 年美国私人证券诉讼改革法案的安全港条款定义的 “前瞻性声明”。前瞻性声明包括但不限于关于 Alerus Financial Corporation 预期未来表现的计划、估计、计算、预测和展望的声明。前瞻性声明既不是历史事实，也不是未来表现的保证。相反，它们仅基于我们当前对业务、未来计划和战略、预测、预期事件和趋势、经济及其他未来条件的信念、期望和假设。由于前瞻性声明涉及未来，因此它们受到固有的不确定性、风险和变化的影响，这些因素难以预测，并且许多因素超出了我们的控制范围。我们的实际结果和财务状况可能与前瞻性声明中所指示的有重大差异。因此，您不应依赖这些前瞻性声明。可能导致我们的实际结果和财务状况与前瞻性声明中所指示的有重大差异的重要因素包括但不限于 Alerus Financial Corporation 向证券交易委员会提交的报告中描述的 “风险因素” 部分。我们在本新闻稿中所做的任何前瞻性声明仅基于我们当前可获得的信息，并且仅在声明做出之日有效。我们没有义务公开更新任何前瞻性声明，无论是书面还是口头，可能会不时做出，无论是由于新信息、未来发展还是其他原因。</p>
<p><img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNTEyMjkwMTU0MDdyMQ?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNTEyMjkwMTU0MDdyMQ"/></p>
<p>查看商业资讯上的源版本：https://www.businesswire.com/news/home/20251229015407/en/</p>
<p>阿尔·维拉隆，投资者关系</p>
<p>952.417.3733</p>
<p>Al.Villalon@alerus.com</p>
<p>investors.alerus.com</p>
<p>来源：Alerus Financial Corporation</p>

ALRS

<p>Alerus Financial Corporation（纳斯达克代码：ALRS）出售了价值 3.6 亿美元的可供出售证券，导致一次性税前净损失 6850 万美元。出售所得被再投资于收益率更高的证券，收益率为 4.7%。公司预计其 2026 年的净利差将改善至 3.50%-3.60%。首席执行官 Katie Lorenson 强调了一项专注于降低风险和提高回报的战略，而不稀释股本。重组旨在提升收益和财务回报，同时保持资本高于监管限额</p>

<p>MINNEAPOLIS--(BUSINESS WIRE)--On December 23, 2025, Alerus Financial Corporation (Nasdaq: ALRS), or the Company, sold $360 million of available-for-sale (“AFS”) securities which represented over 68% of total AFS securities. The securities sold had a weighted average yield of 1.7% and a weighted average duration of 5.1 years. The sale resulted in a one-time pre-tax net loss of $68.5 million.</p>
<div class="lb-trans"><p>明尼阿波利斯 --（商业资讯）-- 在 2025 年 12 月 23 日，Alerus Financial Corporation（纳斯达克：ALRS，以下简称 “公司”）出售了价值 3.6 亿美元的可供出售（“AFS”）证券，占总 AFS 证券的 68% 以上。出售的证券的加权平均收益率为 1.7%，加权平均久期为 5.1 年。此次出售导致了一次性税前净损失 6850 万美元。</p>
</div><p>The Company reinvested the cash proceeds from the securities sale into new investment securities with a weighted average yield of 4.7% and a weighted average duration of just over 3 years. The Company now expects the 2026 net interest margin to be 3.50% to 3.60% versus the previous guidance of 3.35% to 3.45% provided in the Company’s 3rd quarter earnings presentation. Risk based capital measures are expected to be above regulatory limits and internal targets at the end of 2025. The securities portfolio restructuring has no impact on tangible capital and positions the Company for higher earnings and improved financial returns in 2026 and beyond.</p>
<div class="lb-trans"><p>公司将证券出售所得的现金再投资于新的投资证券，其加权平均收益率为 4.7%，加权平均久期略超过 3 年。公司现在预计 2026 年的净利差将为 3.50% 至 3.60%，而之前在公司第三季度财报中提供的指导为 3.35% 至 3.45%。预计到 2025 年底，风险基础资本指标将高于监管限额和内部目标。证券投资组合的重组对有形资本没有影响，并为公司在 2026 年及以后实现更高的收益和改善的财务回报奠定了基础。</p>
</div><p>President and Chief Executive Officer Katie Lorenson commented, “Our focus in 2025 was to lower risk and improve returns without compromising our long-term strategy. In the back half of the year, we executed a purposeful deleveraging plan – actively managing loan paydowns and pruning marginal credits – to strengthen our balance sheet and improve our flexibility. As capital accreted and interest rate dynamics improved, we took disciplined action with our available-for-sale portfolio to better align assets with our organic growth expectations. We evaluated but did not pursue a full balance sheet restructuring as that would have required a dilutive common equity issuance. The deliberate steps we took positions Alerus for stronger performance and tangible book value growth in 2026 and demonstrates our commitment to creating long-term sustainable value for our clients, communities, and shareholders.”</p>
<div class="lb-trans"><p>总裁兼首席执行官凯蒂·洛伦森（Katie Lorenson）评论道：“我们在 2025 年的重点是降低风险并改善回报，而不影响我们的长期战略。在下半年，我们执行了一项有针对性的去杠杆计划——积极管理贷款偿还和削减边际信贷——以加强我们的资产负债表并提高灵活性。随着资本的积累和利率动态的改善，我们对可供出售投资组合采取了有纪律的行动，以更好地将资产与我们的有机增长预期对齐。我们评估了但没有追求全面的资产负债表重组，因为这将需要稀释普通股的发行。我们采取的这些谨慎步骤使 Alerus 在 2026 年能够实现更强的业绩和有形账面价值增长，并展示了我们为客户、社区和股东创造长期可持续价值的承诺。”</p>
</div><p><strong>About Alerus Financial Corporation</strong></p>
<div class="lb-trans"><p><strong>关于 Alerus Financial Corporation</strong></p>
</div><p>Alerus Financial Corporation (Nasdaq: ALRS) is a commercial wealth bank and national retirement services provider with corporate offices in Grand Forks, North Dakota, and the Minneapolis-St. Paul, Minnesota metropolitan area. Through its subsidiary, Alerus Financial, National Association, Alerus provides diversified and comprehensive financial solutions to business and consumer clients, including banking, wealth services, and retirement and benefit plans and services. Alerus provides clients with a primary point of contact to help fully understand their unique needs and delivery channel preferences. Clients are provided with competitive products, valuable insight, and sound advice supported by digital solutions designed to meet their needs.</p>
<div class="lb-trans"><p>Alerus Financial Corporation（纳斯达克：ALRS）是一家商业财富银行和国家退休服务提供商，企业总部位于北达科他州的格兰德福克斯，以及明尼苏达州的明尼阿波利斯 - 圣保罗大都市区。通过其子公司 Alerus Financial, National Association，Alerus 为企业和消费者客户提供多样化和全面的金融解决方案，包括银行、财富服务以及退休和福利计划及服务。Alerus 为客户提供一个主要的联系点，以帮助他们充分理解其独特需求和交付渠道偏好。客户可以获得具有竞争力的产品、有价值的见解和可靠的建议，支持这些服务的数字解决方案旨在满足他们的需求。</p>
</div><p>Alerus operates 27 banking and commercial wealth offices, with locations in Grand Forks and Fargo, North Dakota; the Minneapolis-St. Paul, Minnesota metropolitan area; Rochester, Minnesota; Southern Minnesota; Marshalltown, Iowa; Pewaukee, Wisconsin; and Phoenix and Scottsdale, Arizona. The Alerus Retirement and Benefit business serves advisors, brokers, employers, and plan participants across the United States.</p>
<div class="lb-trans"><p>Alerus 在北达科他州的格兰德福克斯和法戈、明尼苏达州的明尼阿波利斯 - 圣保罗大都市区、明尼苏达州的罗切斯特、南明尼苏达州、爱荷华州的马歇尔敦、威斯康星州的皮沃基、亚利桑那州的凤凰城和斯科茨代尔运营 27 个银行和商业财富办公室。Alerus 退休和福利业务为美国各地的顾问、经纪人、雇主和计划参与者提供服务。</p>
</div><p><strong>Forward Looking Statements</strong></p>
<div class="lb-trans"><p><strong>前瞻性声明</strong></p>
</div><p>This press release contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future performance of Alerus Financial Corporation. Forward-looking statements are neither historical facts nor assurances of future performance. Instead, they are based only on our current beliefs, expectations and assumptions regarding our business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of our control. Our actual results and financial condition may differ materially from those indicated in forward-looking statements. Therefore, you should not rely on any of these forward-looking statements. Important factors that could cause our actual results and financial condition to differ materially from those indicated in forward-looking statements include, among others, the risks described in the “Risk Factors” sections of reports filed by Alerus Financial Corporation with the Securities and Exchange Commission. Any forward-looking statement made by us in this press release is based only on information currently available to us and speaks only as of the date on which it is made. We undertake no obligation to publicly update any forward-looking statement, whether written or oral, that may be made from time to time, whether as a result of new information, future developments or otherwise.</p>
<div class="lb-trans"><p>本新闻稿包含根据 1995 年美国私人证券诉讼改革法案的安全港条款定义的 “前瞻性声明”。前瞻性声明包括但不限于关于 Alerus Financial Corporation 预期未来表现的计划、估计、计算、预测和展望的声明。前瞻性声明既不是历史事实，也不是未来表现的保证。相反，它们仅基于我们当前对业务、未来计划和战略、预测、预期事件和趋势、经济及其他未来条件的信念、期望和假设。由于前瞻性声明涉及未来，因此它们受到固有的不确定性、风险和变化的影响，这些因素难以预测，并且许多因素超出了我们的控制范围。我们的实际结果和财务状况可能与前瞻性声明中所指示的有重大差异。因此，您不应依赖这些前瞻性声明。可能导致我们的实际结果和财务状况与前瞻性声明中所指示的有重大差异的重要因素包括但不限于 Alerus Financial Corporation 向证券交易委员会提交的报告中描述的 “风险因素” 部分。我们在本新闻稿中所做的任何前瞻性声明仅基于我们当前可获得的信息，并且仅在声明做出之日有效。我们没有义务公开更新任何前瞻性声明，无论是书面还是口头，可能会不时做出，无论是由于新信息、未来发展还是其他原因。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNTEyMjkwMTU0MDdyMQ" alt="" original-src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20251229015407r1&amp;sid=acqr8&amp;distro=nx&amp;lang=en"/></p>
<p>View source version on businesswire.com: https://www.businesswire.com/news/home/20251229015407/en/</p>
<div class="lb-trans"><p>查看商业资讯上的源版本：https://www.businesswire.com/news/home/20251229015407/en/</p>
</div><p>Al Villalon, Investor Relations</p>
<div class="lb-trans"><p>阿尔·维拉隆，投资者关系</p>
</div><p>952.417.3733</p>
<div class="lb-trans"><p>952.417.3733</p>
</div><p>Al.Villalon@alerus.com</p>
<div class="lb-trans"><p>Al.Villalon@alerus.com</p>
</div><p>investors.alerus.com</p>
<div class="lb-trans"><p>investors.alerus.com</p>
</div><p>Source: Alerus Financial Corporation</p>
<div class="lb-trans"><p>来源：Alerus Financial Corporation</p>
</div>

Alerus Financial Corporation 再投资 3.6 亿美元的证券以提升盈利能力概况 | ALRS 股票新闻