Sachem Capital Corp. (NYSE American: SACH) announced its financial results for the year ended December 31, 2025, reporting a net income attributable to common shareholders of $1.8 million, or $0.04 per share, a significant recovery from a net loss of $43.9 million, or $0.93 per share, in 2024. The company’s net interest income for 2025 was $11.7 million, down from $20.5 million in the previous year, primarily due to lower interest income as loan originations moderated. The effective interest rate on loans held for investment was 12.0%, compared to 11.8% in 2024. The company’s net interest margin decreased to 3.1% from 4.4% in 2024, reflecting both structural and cyclical factors, including increased refinancing activity and a higher concentration of nonaccrual loans. Total operating expenses decreased to $13.1 million from $15.7 million in 2024, driven by lower credit-related charges and improved expense discipline. The company also reported a gain on the sale of investments in developmental real estate of $4.1 million, up from $0.4 million in 2024. As of December 31, 2025, total assets were $460 million, with total liabilities of $285.1 million, resulting in a debt-to-capital ratio consistent with prior years. The company continues to focus on stabilizing its credit profile and enhancing its capital structure, positioning itself for disciplined growth in the coming years.

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