Dafinchi AI

TrustCo Bank Corp NY

TRST

2025 Q2

Financial Services

3mo

Financial Performance Summary

Average loans grew 2.3% year-over-year to $5.1 billion, led by home equity lines of credit (+17.8%) and commercial loans (+9.2%).
Capital ratios remained strong with consolidated equity to assets at 10.91% and book value per share up 6.6% to $36.75.
Net income for Q2 2025 was $15 million, a 19.8% increase over Q2 2024, with year-to-date net income nearly $30 million.
Net income for Q2 2025 was $15 million, up 19.8% year-over-year, with year-to-date net income nearly $30 million.
Net interest income increased 10.5% to $41.7 million, driven by margin expansion and loan growth.
Noninterest expenses decreased by $600,000 year-over-year, with ORE expenses at $522,000 for the quarter.
Noninterest expenses decreased by $600,000 year-over-year, with ORE expenses controlled at $522,000 for the quarter.
Noninterest income from wealth management increased 13% to $1.8 million, representing 37.5% of total noninterest income.
Return on average assets was 0.96% and return on average equity was 8.73% for Q2 2025, both showing double-digit improvement from prior year.
Return on average assets was 0.96% and return on average equity was 8.73% for Q2 2025, both showing double-digit improvement year-over-year.
Total deposits increased by $213 million to $5.5 billion, reflecting strong customer confidence.

Gladstone Commercial Corporation

GOOD

2025 Q2

Financial Services

2mo

Financial Performance Summary

FFO and core FFO per share for Q2 2025 were $0.33 and $0.35 respectively, down from $0.36 in Q2 2024.
Net assets increased from $1.16 billion to $1.2 billion mainly due to two industrial acquisitions totaling $78.95 million.
Operating expenses decreased to $25.1 million in Q2 2025 from $26.0 million in Q2 2024, due to incentive fee waivers and lower depreciation, offset by higher property expenses.
Same-store rents increased by 6.4% in the first half of 2025 compared to the same period in 2024.
Total operating revenues increased to $39.5 million in Q2 2025 from $37.1 million in Q2 2024, driven by higher recovery and rental rates.

Orchid Island Capital, Inc.

ORC

2025 Q2

Financial Services

3mo

Financial Performance Summary

Average MBS increased to $6.9 billion from just under $6 billion in Q1.
Book value decreased from $7.94 per share at 3/31 to $7.21 at 6/30.
Dividends of $0.36 were paid in both quarters.
Excluding realized and unrealized losses, net income was $0.16 per share, same as Q1.
Leverage ratio decreased to 7.3 from 7.8 at 3/31.
Liquidity improved to 54% from 52%.
Prepayment speeds increased to 10.1% from 7.8% in Q1.
Reported a loss of $0.29 per share in Q2 compared to income of $0.18 per share in Q1.
Total return for the quarter was negative 4.66% compared to 2.6% in Q1.

Hanmi Financial Corporation

HAFC

2025 Q3

Financial Services

Financial Performance Summary

Credit loss expense decreased significantly to $2.1 million from $7.6 million in Q2, with net loan recoveries of $0.5 million.
Deposits increased 0.6% in Q3 or 2.2% annualized, supported by new commercial accounts and market expansion.
Efficiency ratio improved to a two-year low of 52.65%, reflecting disciplined expense management.
Net income for Q3 2025 was $22.1 million or $0.73 per diluted share, up from $15.1 million or $0.50 in Q2.
Net interest margin expanded by 15 basis points to 3.22%, driven by higher loan yields and lower funding costs.
Pre-provision net revenues increased 16.4% to $47 million compared to the prior quarter.
Return on average assets was 1.12% and return on average equity was 10.69%.
Total loans increased 3.5% linked quarter to $6.53 billion, with loan production up 73% to $571 million.

Texas Capital Bancshares, Inc.

TCBI

2025 Q3

Financial Services

Texas Capital's Historic Transformation Achieved Milestone in Q3 2025

Texas Capital reported record results in Q3 2025, including revenue of $340 million, net income of $101 million, and EPS of $2.18, marking the best in the firm's history.
The company completed a four-year strategic transformation initiated in September 2021, focusing on building a resilient, full-service financial platform.
Rob Holmes emphasized that the milestone of achieving a 1.3% ROA exceeded the initial target of 1.1%, validating the success of their strategic overhaul.
The transformation included significant capital build-up, with tangible common equity increasing by 247 basis points, reaching an all-time high of 10.25% of tangible assets.
The firm shifted away from reliance on leverage and high-cost deposits, rebuilding its funding base and improving balance sheet resilience.

Kilroy Realty Corporation

KRC

2025 Q2

Financial Services

2mo

Financial Performance Summary

Cash same-property NOI growth in Q2 was 450 basis points, with onetime items contributing 300 basis points on a cash basis.
Excluding that lease, cash re-leasing spreads would have been approximately positive 1%, a meaningful improvement year-over-year.
FFO for the quarter was $1.13 per diluted share, including approximately $0.11 per share of onetime items such as a $10.7 million lease termination fee contributing $0.05 per share.
GAAP re-leasing spreads were negative 11.2% and cash re-leasing spreads negative 15.2%, impacted by a single large lease in San Francisco with a term under 3 years.
Occupancy ended Q2 at 80.8%, down from 81.4% in Q1, reflecting expected rightsizing and early vacates related to tenant bankruptcies.
The removal of the 89% leased 4-building campus held for sale negatively impacted occupancy by 20 basis points but lease commencement acceleration maintained occupancy guidance midpoint.

Agree Realty Corporation

ADC

2025 Q2

Financial Services

2mo

Financial Performance Summary

Agree Realty invested over $350 million in 110 properties during Q2 2025, including $328 million in acquisitions across 91 retail net lease assets with a weighted average cap rate of 7.1% and lease term of 12.2 years.
Core FFO per share was $1.05 for Q2, a 1.3% increase year-over-year, and AFFO per share was $1.06, a 1.7% increase year-over-year.
Liquidity stood at $2.3 billion with no material debt maturities until 2028 and pro forma net debt to recurring EBITDA at 3.1x, the lowest since Q4 2022.
The company declared monthly dividends of $0.256 per share for Q2, representing a 2.4% year-over-year increase and a payout ratio of 72% of AFFO per share.
The portfolio occupancy rebounded to 99.6% post re-tenanting of former Big Lots, with investment-grade exposure at 68%.

KeyCorp

KEY

2025 Q2

Financial Services

3mo

Revenue Beat

21% increase

Revenues were up 21% from a year ago, while expenses were up about 6%, excluding the charitable contribution.

Earnings Feed

Financial Performance Summary

Explore Similar Insights

Financial Performance Summary

Financial Performance Summary

Financial Performance Summary

Texas Capital's Historic Transformation Achieved Milestone in Q3 2025

Financial Performance Summary

Financial Performance Summary

Revenue Beat