Dafinchi AI

EFSC

Financial Services

Adjusted return on assets was 1.31% and pre-provision ROAA was 1.72%.
Deposits grew by $73 million net of broker deposits, with core deposits up nearly $800 million year-over-year.
Loan growth was 4% annualized or $110 million, with contributions from nearly all business areas and geographic markets.
Net interest income increased by $5.2 million quarter-over-quarter, with net interest margin expanding 6 basis points to 4.21%.
Noninterest expense increased by $5.9 million due to merit increases, deposit costs, acquisition costs, and loan workout expenses.
Noninterest income increased by $2.1 million from the prior quarter, driven by bank-owned life insurance and community development income.
Nonperforming assets decreased slightly; net charge-offs were negligible aided by a $3 million recovery on a previously charged-off loan.
Tangible book value per common share increased to $40.02, an annualized quarterly increase of 15%.
Tangible common equity to tangible assets ratio was 9.42%, with a return on tangible common equity of 13.96%.
The company earned $1.36 per diluted share in Q2 2025, up from $1.31 in the prior quarter and $1.19 year-over-year.

INBK

Financial Services

Third consecutive quarter of increased provision expense and nonperforming loans, particularly in franchise finance and small business lending portfolios.
Overall industry nonperforming loan ratio remains at 1%, with delinquencies improving to 62 basis points, a 15 basis point decline.
Franchise finance loans moved to nonperforming status totaling $12.6 million in Q2, with specific reserves of $4.5 million.
Portfolio of 633 loans, with 5% on nonaccrual, and recent success in workout strategies leading to improved recovery rates.
Significant progress in derisking the franchise portfolio, with a small pool of delinquent borrowers and slowing delinquencies, indicating potential for future improvement.

HOOD

Financial Services

Adjusted operating expenses plus stock-based compensation increased only 6% year-over-year, leading to 56% adjusted EBITDA margins and 81% incremental adjusted EBITDA margins.
Assets under custody doubled year-over-year to more than $0.25 trillion, with average assets per funded customer surpassing $10,000 for the first time.
Bitstamp acquisition closed, adding a growing institutional business and over 600,000 international customers.
Earnings per share doubled from a year ago.
Interest-earning assets increased over 50%, driven by cash sweep, margin, and securities lending activities, with Gold cash sweep balances crossing $30 billion.
Net deposits remained strong with the third highest quarter ever, exceeding $10 billion for six consecutive quarters and continuing momentum into July with around $6 billion in net deposits.
Retirement assets exceeded $20 billion, more than doubling in the past year.
Revenue grew 45% year-over-year to nearly $1 billion in Q2 2025, driven by strong business growth and record trading volumes across equities, options, prediction markets, index options, and futures.
Robinhood Gold subscribers reached a record 3.5 million, representing 13% adoption overall and over 35% adoption among new customers in Q2.
Robinhood Strategies grew to over 100,000 funded customers and $0.5 billion in assets shortly after launch.

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