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Peoples Bancorp Inc.

PEBO

2025 Q2

Financial Services

3mo

Small Ticket Leasing Portfolio Decline and Charge-Off Trends

The small ticket leasing portfolio declined from $220 million at June 30, 2024, to approximately $160 million at quarter end, with expectations of further decline.
Charge-offs in small ticket leasing remain elevated but are expected to plateau in the second half of 2025, with a net yield over 14%.
Management is actively working to reduce high balance accounts and expects the portfolio to run its course over the next two quarters, aiming to return to a 4-5% net charge-off rate.

Byline Bancorp, Inc.

2025 Q2

Financial Services

3mo

Financial Performance Summary

Byline Bancorp reported net income of $30 million or $0.66 per diluted share on revenue of $110 million for Q2 2025, including merger and secondary offering charges.
Capital levels remained strong with TCE above 10% and CET1 just under 12%; repurchased 418,000 shares returning $10 million to shareholders.
Credit costs were $11.9 million, including $7.7 million net charge-offs and a $4.2 million net reserve build; NPLs increased to 92 basis points from 76 basis points.
Efficiency ratio was 48.2% adjusted, and cost-to-asset ratio improved to 228 basis points, down 18 basis points quarter-over-quarter.
Excluding those charges, net income was $33.8 million or $0.75 per diluted share.
Expenses were $60 million including charges; adjusted expenses were $54.7 million, a 2% decrease from prior quarter.
Loans ended at $7.4 billion, deposits at $7.8 billion, with organic loan growth of $155 million (9%) and deposit growth of 6.4% excluding brokered deposits.
Noninterest income declined slightly due to a negative fair value mark on servicing assets despite higher gain on sale revenue and fees.
Pretax pre-provision income was $51 million with a pretax pre-provision ROA of 212 basis points, marking the 11th consecutive quarter above 200 basis points.
ROA was 1.25% (1.41% adjusted) and ROTCE was just under 13% (14.4% adjusted), exceeding cost of capital despite a growing capital base.
Total revenue increased 11% year-over-year to $110.5 million, driven by a 9% increase in net interest income due to higher balances and margin expansion of 11 basis points to 4.18%.

PROG Holdings, Inc.

PRG

2025 Q2

Financial Services

3mo

Financial Performance Summary

Adjusted EBITDA was $73.5 million, exceeding the high end of outlook, with Progressive Leasing adjusted EBITDA at $69.7 million or 12.2% of revenue.
Four Technologies delivered over 200% revenue growth and 167% GMV growth year-over-year, achieving profitability in Q1 and Q2 2025.
Gross margin for Progressive Leasing was 32.4%, down 15 basis points year-over-year, impacted by increased 90-day purchase option utilization and Big Lots loss.
Non-GAAP EPS was $1.02, significantly exceeding the outlook range of $0.75 to $0.85 per share.
PROG Holdings delivered revenue and earnings above the high end of guidance in Q2 2025, with consolidated revenue of $604.7 million, representing low single-digit growth year-over-year.
Progressive Leasing segment GMV was $413.9 million, down 8.9% year-over-year due to Big Lots bankruptcy and tightening actions, but up approximately 1% excluding Big Lots impact.
SG&A expenses increased to $78.9 million or 13.8% of revenue, reflecting investments in technology and sales enablement.
Write-offs came in at 7.5%, 20 basis points better than last year, within the targeted annual range of 6% to 8%.

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.

Hope Bancorp, Inc.

HOPE

2025 Q2

Financial Services

3mo

Financial Performance Summary

Asset quality remained stable with criticized loans down 8% quarter-over-quarter and allowance coverage at 1.04%.
Charge-offs increased to $12 million annualized (33 bps) from $8 million (25 bps) in Q1.
Earnings per diluted share excluding notable items remained flat at $0.19 due to 7 million shares issued in the Territorial acquisition.
Net income excluding notable items was $24.5 million in Q2 2025, up 7% from $22.9 million in Q1 2025.
Net interest income increased 17% quarter-over-quarter to $118 million, driven by Territorial acquisition, organic loan growth, and margin expansion.
Net interest margin expanded 15 basis points to 2.69%.
Noninterest expense excluding notable items increased to $92 million from $81 million due to Territorial operations addition.
Noninterest income excluding notable items rose 44% year-over-year to $15.9 million.
Pretax pre-provision net revenue excluding notable items grew 17% quarter-over-quarter to $41.2 million.
Provision for credit losses excluding notable items was $10.5 million, up from $5 million in Q1.

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.

Banc of California, Inc.

BANC

2025 Q2

Financial Services

3mo

Strategic Loan Sales and Balance Sheet Optimization

Opportunistic sale of approximately $507 million of commercial real estate loans with expected net proceeds of 95%.
Loan sales aimed at optimizing balance sheet and driving high-quality, sustainable earnings growth.
Proactive management of credit risk by selling loans exhibiting credit migration characteristics, despite being well collateralized.
Expected $243 million of loan sales to close in Q3, with remaining $233 million over subsequent quarters.
Loan sales primarily rate-driven rather than credit-driven, with a focus on reducing overhang and improving credit quality metrics.

Eagle Bancorp, Inc.

EGBN

2025 Q3

Financial Services

Progress in Addressing Asset Quality and Valuation Stress

Eagle Bancorp reported progress in addressing asset quality issues, with a focus on the office portfolio which saw criticized loans decline from $302 million in March to $113.1 million in September.
The company moved $121 million of criticized office loans to held for sale during Q3 and is actively working with buyers to sell these assets.
Independent credit evaluations and internal reviews of CRE exposures support the adequacy of current provisioning, indicating management's confidence in the reserve levels.
Management expects to complete the sale of a portion of held-for-sale assets by the end of 2025, aiming to reduce valuation stress and improve asset quality.

Home Bancorp, Inc.

HBCP

2025 Q2

Financial Services

3mo

Potential Impact of Future Federal Rate Cuts on Loan Growth and Net Interest Margin

Management expects loan growth to pick up if there are one or two rate cuts in the second half of the year.
Loan yields are projected to continue increasing as new originations around 7.4% replace maturing loans.
The bank maintains a cautious stance, noting that without rate cuts, growth may be at the lower end of guidance (4%-6%).
Management emphasizes that rate cuts could stimulate demand, especially for projects waiting on lower interest rates.

First BanCorp.

FBP

2025 Q2

Financial Services

3mo

Record Net Interest Income and Margin Expansion in 2Q 2025

First BanCorp achieved record net interest income of $215.9 million, with an 8 basis point increase in net interest margin to 4.56%.
Margin improvement was partly due to reinvestment of maturing securities and lower funding costs, with an expected continued 5-7 basis point increase in the coming quarters.
Exclusion of one-time fees from early loan cancellations shows underlying margin strength.

Synchrony Financial

SYF

2025 Q3

Financial Services

Net Charge-Off Rate Decline

90 basis points below prior year

5.16% in Q3 2025

Net charge-off rate decreased 90 basis points from 6.06% in prior year, outperforming historical averages and reflecting strong credit actions.

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Small Ticket Leasing Portfolio Decline and Charge-Off Trends

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Financial Performance Summary

Financial Performance Summary

Significant Loan Growth Driven by LIHTC and Traditional Banking

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Strategic Loan Sales and Balance Sheet Optimization

Progress in Addressing Asset Quality and Valuation Stress

Potential Impact of Future Federal Rate Cuts on Loan Growth and Net Interest Margin

Record Net Interest Income and Margin Expansion in 2Q 2025

Net Charge-Off Rate Decline