Dafinchi AI

TRMK

Financial Services

Capital ratios increased: CET1 ratio up 7 basis points to 11.7%, total risk-based capital ratio up 5 basis points to 14.15%.
Credit quality improved with nonperforming assets declining 5.3% and net charge-offs at $4.1 million or 12 basis points of average loans.
Deposit base grew $35 million during the quarter with personal and commercial deposits totaling $13 billion, up 0.8% from prior quarter.
Loans held for investment increased $223 million or 1.7% linked quarter and $374.8 million or 2.9% year-to-date.
Net income was $55.8 million in Q2, with fully diluted EPS of $0.92, up 4.5% from prior quarter.
Net interest income expanded 4.3% to $161.4 million, with net interest margin increasing 6 basis points to 3.81%.
Noninterest expense increased 0.9% linked quarter, with lower salaries and equipment expense offset by higher professional fees.
Noninterest income was $39.9 million, unchanged linked quarter excluding gains/losses on bank facility sales.
Provision for credit losses was $4.7 million; allowance for credit losses was 1.25% of loans held for investment.
Quarterly cash dividend declared at $0.24 per share payable September 15.
Repurchased $11 million of common stock in the quarter, $26 million year-to-date, with $74 million remaining in repurchase authority.
Return on average assets was 1.21% and return on average tangible equity was 13.13%.
Tangible book value per share was $28.74, up 3.5% linked quarter and 13.9% year-over-year.

CACC

Financial Services

Financed over 85,000 contracts and collected $1.4 billion overall during the quarter.
Forecasted net cash flows declined by 0.5% or $56 million.
Loan performance declined this quarter with 2022, 2023, and 2024 vintages underperforming expectations, while the 2025 vintage exceeded expectations.
Loan portfolio reached a record-high of $9.1 billion on an adjusted basis, up 6% from last Q2.
Market share in the core segment of used vehicles financed by subprime consumers was 5.4% for the first 5 months of the year, down from 6.6% in the same period in 2024.
Paid $63 million in dealer holdback and accelerated dealer holdback to dealers.
Unit and dollar volumes declined, impacted by Q3 2024 scorecard change and increased competition.

AFG

Financial Services

AFG reported core net operating earnings of $2.14 per share for Q2 2025, down from $2.56 in the prior year quarter.
AFG returned over $100 million to shareholders in Q2 2025 through dividends and share repurchases.
Alternative investments returned 1.2% annualized in Q2 2025, down from 5.1% in the prior year quarter, negatively impacting overall investment income by about 5%.
Annualized core operating return on equity was 15.5%, despite lower returns from alternative investments.
Gross and net written premiums increased 10% and 7%, respectively, driven partly by earlier crop acreage reporting.
Net investment income excluding alternatives increased 10% year-over-year due to higher interest rates and asset balances.
Underwriting margins in Specialty Property & Casualty insurance were strong with a 93.1% combined ratio, up 2.6 points year-over-year.

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