Dafinchi AI

HTH

Financial Services

Allowance for credit losses declined by $8.2 million to $98 million; net charge-offs were approximately $900,000.
Hilltop reported net income of approximately $36 million or $0.57 per diluted share for Q2 2025.
HilltopSecurities generated pretax income of $6 million on net revenues of $110 million, a 6% pretax margin.
Net interest income increased 7% year-over-year to $110.7 million; net interest margin increased by 17 basis points versus Q1 2025.
Net interest margin at PlainsCapital Bank increased by 19 basis points; loan yields increased by 5 basis points.
Noninterest expenses increased by $5 million year-over-year to $261 million, driven by variable compensation and legal recovery timing.
Noninterest income totaled $193 million, with mortgage revenues declining by $12 million year-over-year.
PlainsCapital Bank generated $55 million pretax income on $12.7 billion average assets with a 1.35% return on average assets.
PrimeLending reported a pretax gain of $3 million including a $9.5 million nonrecurring legal settlement.
Return on average assets was 1% and return on average equity was 6.6%.

SIGI

Financial Services

After-tax net investment income was $101 million, generating 13 points of ROE, up 50 basis points from Q2 2024.
Book value per share increased 9% in the first half of 2025, driven by profitability and reduced after-tax net unrealized fixed income security losses.
Excess and Surplus lines grew 9% with a combined ratio of 89.8%, while Personal Lines combined ratio improved to 91.6%, 26.5 points better than a year ago.
Expense ratio increased by 60 basis points due to higher expected employee compensation after lower profit-based payouts last year.
Fully diluted EPS was $1.36 and non-GAAP operating EPS was $1.31 for the quarter.
Insurance segments grew 5%, with combined ratios at or below the 95% long-term target for Excess and Surplus and Personal Lines.
Selective Insurance Group delivered an operating return on equity of 10.3% in Q2 2025 with investment income increasing 18% year-over-year.
Standard Commercial Lines reported a combined ratio of 102.8%, including 4.8 points of unfavorable prior year casualty development.
The GAAP combined ratio was elevated primarily due to prior year casualty reserve development; catastrophe losses were 6.7%, better than anticipated.
The overall combined ratio for the quarter was 100.2%, impacted by 3.8 points of unfavorable prior year casualty reserve development and 6 points of catastrophe losses.
Underlying combined ratio improved 170 basis points year-over-year to 89.7% for the quarter.

EWBC

Financial Services

East West Bancorp reported record quarterly revenue and net interest income in Q2 2025, with average loan and deposit growth of 2% quarter-over-quarter.
Efficiency ratio was 36.4%, with total operating noninterest expense at $230 million, in line with full-year guidance.
Income tax expense was $92 million with an effective tax rate of 22.9%, including a $6 million one-time expense related to California's tax changes.
Net interest income grew to $617 million, up $17 million from Q1, with a 16.7% adjusted return on tangible common equity and a 1.6% return on average assets.
Total average deposits grew 2% quarter-over-quarter, with strong growth in noninterest-bearing deposits and commercial deposit segments.
Total noninterest income was $86 million, with fee income at $81 million, the third highest quarter for fees in company history.

Earnings Feed