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ServisFirst Bancshares, Inc.

SFBS

2025 Q2

Financial Services

3mo

Strategic Bond Portfolio Restructuring to Enhance Margins

ServisFirst Bancshares strategically sold approximately $70 million of bonds yielding 1.34% at a loss of $8.6 million during Q2 2025.
The proceeds from bond sales were reinvested into new investments with an average yield of 6.28%, aiming for stronger margin performance.
The bond restructuring is expected to have a payback period of approximately 3.8 years, positioning the bank for improved profitability.
This move reflects a proactive strategy to optimize the investment portfolio amid changing interest rate environments and market conditions.

ServisFirst Bancshares, Inc.

SFBS

2025 Q3

Financial Services

Increase in Nonperforming Assets

$96 million increase in NPAs

Nonperforming assets increased by approximately $96 million during the quarter due to 8 loans with a large multifamily developer.

WSFS Financial Corporation

WSFS

2025 Q2

Financial Services

3mo

Strategic Focus on Accretive Loan Growth and High-Quality C&I Portfolio

Company emphasizes focus on accretive loan growth, valuing its C&I relationship model.
Continued lean into C&I, with solid originations and selective focus on high-quality sponsors.
Expectations of growth in both C&I and commercial real estate, with a focus on maintaining profit margins and avoiding price chasing.

Brighthouse Financial, Inc.

BHF

2025 Q2

Financial Services

2mo

Strategic Hedging Strategy Transition

Brighthouse is finalizing a transition to separate hedging strategies for in-force variable annuity and Shield books, expected to complete by the end of September 2025.
The new approach aims to improve transparency, reduce volatility, and better align with ESG considerations.
Revisions to hedges include managing VA and Shield businesses separately, which is expected to simplify risk management and potentially improve capital efficiency.

FB Financial Corporation

FBK

2025 Q3

Financial Services

Impact of Southern States Merger on Financial Results and Margin

The merger with Southern States Bankshares was completed on July 1, 2025, and fully integrated by Labor Day weekend, marking the first quarter reporting on the combined entity.
Southern States portfolios contributed to margin expansion, adding approximately 6-8 basis points on a core basis, which positively impacted the overall net interest margin.
The company benefited from purchase accounting accretion of about $6 million in the quarter, which supported margin growth.
The full impact of the merger, including system conversions and integration costs, was reflected in the financial results, with a focus on achieving synergies earlier than initially planned.

Preferred Bank

PFBC

2025 Q2

Financial Services

3mo

Significant Stock Buyback Activity and Capital Return Strategy

Preferred Bank repurchased $56 million worth of stock in Q2 at an average price of $80-$81 per share.
Management indicated a cautious approach to further buybacks due to the higher share price relative to book value.
An additional $125 million authorization for share repurchase was approved but not yet executed, reflecting a strategic focus on capital return amid valuation considerations.

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.

South Plains Financial, Inc.

SPFI

2025 Q2

Financial Services

3mo

Loan Yield Trends and Repricing Outlook in a Low-Rate Environment

Loan yields increased to 6.99% in Q2, boosted by a full repayment interest recovery.
Excluding the one-time gain, the yield was 6.76%, with expectations of stabilization near current levels.
Management anticipates repricing of large credits in the next 18 months could increase yields by approximately 200 basis points.
New loan production rates are in the low to high 6s and low 7s for larger borrowers.
The bank is monitoring the impact of tariffs and economic conditions on consumer behavior and loan pricing.

West Bancorporation, Inc.

WTBA

2025 Q2

Financial Services

3mo

Strategic Focus on Relationship Building and Deposit Growth Amid Asset Repricing Opportunities

The company emphasizes ongoing relationship building and deposit growth as key strategies.
Asset repricing is expected to benefit margins and earnings through 2026.
Management highlights success in attracting new relationships across markets, with a focus on strengthening the balance sheet.

Blue Foundry Bancorp

BLFY

2025 Q2

Financial Services

2mo

Strategic Focus on Portfolio Diversification and Yield Enhancement

Management emphasized ongoing efforts to diversify the loan portfolio, including a $22 million increase in commercial and industrial loans, a $12 million rise in construction loans, and a $76 million increase in consumer loans, primarily credit-enhanced.
The strategy aims to improve risk-adjusted returns and drive earnings growth, with a focus on higher-yield asset classes.
Loan pipeline remains healthy with over $40 million in commercial lending letters of intent, expected to yield above 7%.
Portfolio shifts are aligned with long-term value creation and supporting local businesses.

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