- Deposits grew by $194 million, outpacing loan growth of $29 million for the quarter.
- Efficiency ratio improved to 56.5%, reflecting strong expense discipline.
- Net charge-offs declined to 18 basis points; non-performing assets improved to 0.63% of total assets.
- Net interest margin increased 10 basis points to 3.57%, with loan yields rising to 5.93%.
- Non-interest income was $70.4 million, representing 21% of total revenue, supported by wealth and consumer businesses.
- Operating earnings of $101.3 million or $0.55 per share for Q3 2025.
- Operating ROA was 1.29% and operating ROTCE was 15.79%, indicating strong profitability.
- Total revenue reached an all-time high driven by net interest income growth and increased fee income.
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- Effective fee rate remained stable at 59 basis points.
- Effective tax rate was 25.3%.
- Ending AUM rose to $88.9 billion from $87.6 billion, positively impacted by market appreciation.
- Liquidity improved to $323 million from $295 million in the prior quarter.
- Net inflows into open-end funds were offset by institutional net outflows.
- Operating margin decreased slightly to 33.6% from 34.7%.
- Q2 revenue increased 1.1% to $135 million, driven by higher average AUM and day count.
- Reported earnings of $0.73 per share, slightly down from $0.75 sequentially.
- Total expenses increased 2.9% due to higher compensation, distribution fees, G&A, and talent acquisition costs.
- Expenses were elevated due to a $3.5 million lawsuit settlement but core expenses were around $111.5 million, expected to normalize next quarter.
- Home Bancshares reported record earnings of $118.4 million or $0.60 earnings per share in Q2 2025, with a return on assets of 2.08%, slightly up from Q1's $115.2 million and 2.07% ROA.
- Loan growth was solid, with CCFG portfolio growing by $122 million in Q2 and total loans funded around $1.1 billion.
- Loan loss reserve remained strong at 1.86%, Tier 1 capital at 15.6%, leverage ratio at 13.4%, and total risk-based capital at 19.3%.
- Non-GAAP earnings for the first six months of 2025 were $233.6 million, up over 15% from the prior year period.
- Tangible common equity grew by $1.36 billion or 11.25% over the past 12 months, from $12.08 billion to $13.44 billion.
- The company repurchased over 3 million shares worth about $86 million and paid $150 million in dividends over the past year.
- The non-GAAP return on tangible common equity was 18.26%, with GAAP ROTCE at 17.68%.
- Adjusted EPS increased 166% year over year to $1.15 per share in Q3 2025.
- Adjusted net revenue was $2.2 billion, up 3% year over year; 9% growth excluding credit card sale.
- CET1 ratio stood at 10.1%, representing $4.5 billion excess capital above regulatory minimum.
- Core ROTCE was 15% headline, approximately 12% excluding AOCI impact.
- Net interest margin (NIM) excluding core OID expanded 10 basis points quarter over quarter to 3.55%.
- Noninterest expense was $1.2 billion, slightly up year over year but down sequentially by $22 million.
- Provision expense declined 36% year over year to $415 million, driven by credit normalization.
- Retail auto net charge-off rate improved 36 basis points year over year to 1.88%, despite a 13 basis point sequential increase due to seasonality.
- Allowance for credit losses was 10.35% of loan receivables, down 24 basis points from prior quarter.
- Capital ratios improved with CET1 at 13.7%, Tier 1 capital ratio at 14.9%, and total capital ratio at 17%.
- Efficiency ratio increased 140 basis points to 32.6% due to higher expenses and RSAs impact.
- Net earnings of $1.1 billion or $2.86 per diluted share in Q3 2025.
- Net interest income increased 2% to $4.7 billion, with net interest margin up 58 basis points to 15.62%.
- Provision for credit losses decreased by $451 million to $1.1 billion, driven by lower net charge-offs and reserve releases.
- Purchase volume grew 2% year-over-year to $46 billion across five platforms.
- Return on average assets was 3.6%, and return on tangible common equity was 30.6%.
- Adjusted Funds From Operations (AFFO) was negative $3.4 million or $0.10 per share, down from a positive $3.7 million or $0.10 per share in Q2 2024.
- Core operating expenses decreased by about $200,000, with lower G&A costs partially offset by higher property operating expenses related to water rights protection and vacant farms.
- Dividends declared per common share remained steady at $0.14.
- Fixed base cash rents declined by approximately $6.8 million year-over-year due to lease modifications, vacancies, and farm sales.
- Gladstone Land reported a net loss of $7.9 million and a net loss to common shareholders of $13.9 million or $0.38 per share for Q2 2025.
- Interest expense decreased due to loan repayments over the past year.
- Liquidity remains strong with over $150 million in available capital and nearly $170 million in unpledged properties for additional collateral.
Dafinchi