REFI Chicago Atlantic Real Estate Finance, Inc. - 10-Q - (2025-11-04)

Chicago Atlantic Real Estate Finance, Inc. reported financial results for the nine months ended September 30, 2025, showing a slight contraction in scale alongside rising credit quality concerns. Nine-month Net Income declined year-over-year to \(27.85M (down 4%), resulting in Basic EPS of \)1.33 (down from \(1.53). Quarterly Net Income fell 20% to \)8.93M, driven by significantly increased operating expenses and a shift from prior period credit loss benefits to current provisioning expenses.

Portfolio and Credit Risk: The total loan portfolio held at carrying value decreased to $393.1M, with

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