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Live Oak Bancshares, Inc.

LOB

2025 Q2

Financial Services

3mo

Rapid Growth in Small Dollar Loan Program (Live Oak Express)

The small dollar loan strategy, Live Oak Express, grew from nearly zero in 2023 to over $300 million in 2024.
Management sees a long runway for continued market share growth in this segment.
The program provides strong gain on sale premiums and is a key driver of revenue growth.

QCR Holdings, Inc.

QCRH

2025 Q2

Financial Services

3mo

Significant Loan Growth Driven by LIHTC and Traditional Banking

Quarterly loan growth reached 8% annualized, driven by strong new loan production in LIHTC and traditional banking segments.
Growth impacted by runoff of M2 equipment finance loans, with a net effect of approximately 8%-10% gross loan growth for the second half of the year.
Management remains optimistic about continued solid loan growth, with a focus on expanding in CRE and C&I sectors.

OceanFirst Financial Corp.

OCFC

2025 Q3

Financial Services

Strong Loan Growth in Q3

$373 million increase in total loans

Total loans increased by $373 million, representing a 14% annualized growth rate, driven by $1 billion in originations.

TrustCo Bank Corp NY

TRST

2025 Q2

Financial Services

3mo

Strategic Capital Deployment for Lending in Favorable Rate Environment

TrustCo's strategy over recent years has been to amass capital specifically to lend out during periods of favorable interest rates.
The company has capitalized on rising loan demand and competitive borrowing conditions to increase lending activities.
This approach has supported margin expansion and loan growth, with a focus on community lending.

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.

Fulton Financial Corporation

FULT

2025 Q3

Financial Services

Impact of Strategic Loan Runoff and Future Growth Outlook

Fulton experienced over $600 million in strategic loan runoff this year, representing about 3.5% annualized growth impact.
Management expects these runoff activities to moderate in 2026, allowing loan growth to revert to long-term trends of 4-6%.
The company proactively sold approximately $40 million of small ticket equipment finance loans and resolved $139 million of C&C loans during Q3.
Despite runoff, Fulton anticipates returning to organic growth, driven by pipeline improvements and market opportunities.
The strategic runoff has temporarily suppressed loan growth, but management sees it as a step toward a healthier, more focused portfolio.

F.N.B. Corporation

FNB

2025 Q2

Financial Services

3mo

Expansion and Integration of Omnichannel Customer Onboarding via Clicks-to-Bricks Strategy

Completion of industry-leading omnichannel onboarding platform integrating online, mobile, and in-branch channels.
108% increase in common app submissions linked-quarter, with full branch origination starting in June.
Enhanced risk and fraud controls, faster processing times, and improved customer experience.
Introduction of business deposit account origination allowing small businesses to open checking accounts and apply for loans simultaneously.
Leverage of AI within the app to identify cross-sell opportunities and personalize customer offerings.

BOK Financial Corporation

BOKF

2025 Q2

Financial Services

3mo

Launch of New Mortgage Finance Business and Pipeline Development

The company is launching a new mortgage finance line of business, with an expectation to fund the first loan in the next few weeks.
Approved 4 credit relationships with a strong pipeline, aiming for approximately $0.5 billion in commitments by year-end.
Operational readiness is prioritized, with a focus on system implementation and talent hiring to support growth in 2025 and beyond.

Old National Bancorp

ONB

2025 Q3

Financial Services

Capital and Profitability Growth Driven by Strong Performance

Old National’s tangible book value per share increased by 17% annualized over the last quarter.
The company’s return on tangible common equity was 20%, with a ROA of 1.3%, both among the top decile of peers.
Profitability was driven by margin expansion, fee income growth, and well-controlled expenses.
Management highlighted that core EPS has grown 7.6% CAGR since 2018, with momentum heading into 2026.

KeyCorp

KEY

2025 Q2

Financial Services

3mo

KeyCorp's Robust Loan Growth and Pipeline Strength in 2025

Achieved full-year plan to grow commercial loans by approximately $3 billion in 2025, with backlogs in institutional and middle market segments continuing to build.
Commercial loan growth was broad-based across industries and regions, driven by new client acquisitions.
Loan growth is expected to be supported by strong pipelines and active client engagement, with a focus on sectors like renewables, affordable housing, healthcare, and public sector.
Guidance anticipates continued C&I loan growth, with some offset from CRE and residential mortgage paydowns, and potential upside from CapEx and bonus depreciation.

Huntington Bancshares Incorporated

HBAN

2025 Q3

Financial Services

Loan Growth Acceleration

9.2% year over year

Loan growth accelerated to 9.2% year over year, led by commercial lending and new initiatives contributing 40% of total loan growth.

Earnings Feed

Rapid Growth in Small Dollar Loan Program (Live Oak Express)

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