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East West Bancorp, Inc.

EWBC

2025 Q3

Financial Services

California Multifamily Market Stability and Credit Management

The reduction in criticized multifamily loans was due to upgrades and improved cash flows, despite a low base.
The broader commercial real estate sector saw some increase in nonperforming assets, but overall levels remain manageable.
Management reports that California multifamily markets continue to hold up well, with strong debt serviceability.
The bank's multifamily portfolio is largely in California, with resilient cash flows and low loan-to-value ratios.
Credit risk in the multifamily sector is well-managed, with ongoing monitoring and no significant deterioration observed.

East West Bancorp, Inc.

EWBC

2025 Q3

Financial Services

Record Quarterly Revenue and Net Income

Record quarterly revenue, net income, and EPS

East West reported record quarterly revenue, net income and earnings per share in Q3 2025, driven by deposit growth and fee income expansion.

Zions Bancorporation, National Association

ZION

2025 Q3

Financial Services

Operational and Credit Quality Trends in Commercial Real Estate Portfolio

The CRE portfolio remains well-diversified with low nonaccruals and delinquencies, at 0.54% of loans.
Construction loans are showing signs of lease-up improvements, with buildings filling up despite longer lease-up times.
The bank expects CRE classified balances to decline further through payoffs and upgrades.
Management highlighted that recent supply-demand dynamics have affected lease-up times but are gradually improving.
The bank's disciplined concentration limits and focus on quality are key to maintaining portfolio stability.

Associated Banc-Corp

ASB

2025 Q2

Financial Services

3mo

Strategic Focus on Balance Sheet Remixing and Loan Composition Shift

The company is actively shifting its asset base from lower-yielding residential mortgages to higher-yielding commercial and C&I loans, with over $700 million in C&I growth in H1 2025.
This mix shift is driving record net interest income of $300 million in Q2, the strongest in company history.
The ongoing asset remixing is expected to support profitability and margin expansion, with net interest margin climbing above 3%.

Community Bank System, Inc.

CBU

2025 Q3

Financial Services

Asset and Liability Management Strategies in a Changing Rate Environment

The company’s asset-liability management strategy includes maintaining a loan-to-deposit ratio of 76.5%, providing flexibility for growth.
Funding costs are expected to stay low, with industry-level rates around 1.17%, supporting margin stability.
Management highlighted the importance of matching treasury securities cash flows with future loan and debt maturities.
The company is actively managing its interest rate risk to optimize net interest margin amid evolving market conditions.
The strategic focus remains on balancing growth with risk management to sustain asset quality and profitability.

Banc of California, Inc.

BANC

2025 Q2

Financial Services

3mo

Financial Performance Summary

Average loan yields increased to 5.93%, driven by higher-yielding loan categories and a 7.29% average rate on new loan production.
Banc of California reported net income of $18.4 million or $0.12 per share and adjusted net income of $48.4 million or $0.31 per share for Q2 2025.
Credit quality improved with declines in nonperforming loans, classified loans, and special mention loans as a percentage of total loans by 19, 46, and 115 basis points respectively.
Net charge-offs excluding loan sale impacts were 12 basis points of loans.
Net interest income increased 3.4% quarter-over-quarter to $240 million, with net interest margin expanding to 3.10%.
Noninterest expense was $185.9 million, slightly up from Q1 but below the target range of $190 million to $195 million per quarter.
Noninterest income was $32.6 million, down 3% from the prior quarter due to mark-to-market fluctuations on CRA-related equity investments and credit-linked notes.
Pretax pre-provision income grew 6% quarter-over-quarter driven by solid revenue growth outpacing a slight increase in expenses.
Tangible book value per share grew for the fifth consecutive quarter to $16.46.
Total annualized loan growth was 9%, supported by broad-based commercial loan production and loan originations of $1.2 billion, the highest since the merger.

Ellington Financial Inc.

EFC

2025 Q2

Financial Services

2mo

Financial Performance Summary

Book value per share increased quarter-over-quarter to $13.49.
Combined cash and unencumbered assets increased to about $920 million, more than 50% of total equity.
Ellington Financial reported GAAP net income of $0.45 per share and adjusted distributable earnings (ADE) of $0.47 per share in Q2 2025.
Leverage ratios remained stable with recourse debt-to-equity at 1.7:1 and overall debt-to-equity at 8.7:1 including securitizations.
Longbridge segment contributed $0.13 per share to ADE, driven by strong origination volumes, securitization gains, and servicing income.
Net interest margin (NIM) on the credit portfolio increased by 21 basis points, while the NIM on Agency decreased by 17 basis points.
Portfolio size remained roughly unchanged quarter-over-quarter with growth in mortgage loan portfolios offset by securitizations and tactical sales.
The company achieved an annualized economic return of nearly 14% and a total economic return of 3.3% for the quarter (non-annualized).

Southern Missouri Bancorp, Inc.

SMBC

2025 Q4

Financial Services

3mo

Significant Loan Growth Driven by Sector Diversification and Pipeline Strength

Quarterly loan balances increased by $76 million, or 7.6% annualized, with notable growth in C&I, multifamily, and agricultural production loans.
Loan pipeline for the next 90 days is strong at $224 million, up from $163 million in March and $157 million a year ago.
Despite strong pipeline, expected higher prepayment activity in the upcoming quarter, especially in nonowner-occupied CRE, may temper net loan growth.

West Bancorporation, Inc.

WTBA

2025 Q2

Financial Services

3mo

Financial Performance Summary

Brokered funding was reduced by approximately $127 million, improving liquidity.
Core deposit balances increased by approximately $195 million in the quarter, driven in part by a municipal bond offering.
Loan balances decreased slightly to just under $3 billion due to payoffs and refinancing, but new loans were originated at higher interest rates.
Net interest income and overall earnings improved compared to prior periods.
No provision for credit losses was recorded due to strong credit quality.
The loan portfolio yield improved to 5.59% in Q2 from 5.52% in Q1, partially offset by a 4 basis point increase in deposit costs.
West Bancorporation reported net income of $8 million in Q2 2035, up from $7.8 million in Q1 2035 and $5.2 million in Q2 2024.

First Internet Bancorp

INBK

2025 Q2

Financial Services

3mo

Elevated Provision Expense and Credit Quality in Franchise and Small Business Portfolios

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.

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California Multifamily Market Stability and Credit Management

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Significant Loan Growth Driven by Sector Diversification and Pipeline Strength

Financial Performance Summary

Elevated Provision Expense and Credit Quality in Franchise and Small Business Portfolios