CATY

Financial Services

3mo

Capital ratios showed slight changes: Tier 1 leverage capital ratio increased to 11.07%, risk-based capital ratios decreased slightly.
Diluted earnings per share increased 12.2% to $1.10 in Q2 2025 from $0.98 in Q1 2025.
Effective tax rate decreased to 19.56% from 19.82%, with updated guidance to 18.5%-19% due to California tax legislation.
Net charge-offs increased to $12.7 million in Q2 2025 from $2 million in Q1 2025, including a large commercial loan charge-off.
Net income for Q2 2025 was $77.4 million, an 11.4% increase from $69.5 million in Q1 2025.
Net interest margin increased slightly from 3.25% to 3.27% due to lower cost of funds.
Noninterest expense increased by 4% to $89.1 million, mainly due to housing amortization and professional expenses.
Noninterest income increased by $4.2 million to $15.4 million, driven by foreign exchange and derivative fee income.
Provision for credit losses decreased to $11.2 million in Q2 2025 from $15.5 million in Q1 2025.
Total gross loans increased by $432 million or 8.9% annualized, driven by commercial, commercial real estate, and residential loans.

CADE

Financial Services

3mo

$137.5 million

Adjusted net income from continuing operations increased to $137.5 million or $0.73 per share.

SMBK

Financial Services

Achieved sixth consecutive quarter of positive operating leverage.
Deposits increased 15% annualized, including a $179 million rise despite reducing brokered CDs.
Loans grew at a 10% annualized rate quarter over quarter.
Net interest margin compressed slightly by 4 basis points to 3.25% due to timing and funding costs.
Nonperforming assets remained low at 0.22% of total assets, with net charge-offs at 10 basis points annualized.
Operating noninterest expenses held steady at $32.6 million, maintaining expense discipline.
Reported operating earnings of $14.5 million or $0.86 per diluted share for Q3 2025.
Total operating revenue reached $50.8 million, surpassing the $50 million quarterly revenue target ahead of schedule.

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