- Allowance for credit losses to total portfolio loans was 1.19%, decreasing $9.8 million from prior quarter due to payoffs and portfolio mix changes.
- Deposits increased 58% year-over-year to $21.2 billion, including $6.9 billion from Premier and $849 million organic growth.
- Efficiency ratio improved 10 percentage points year-over-year to 55.5%, aided by planned acquisition cost savings.
- Fee income grew 40% year-over-year to $44 million, driven by acquisition and organic growth.
- For the quarter ending June 30, 2025, WesBanco reported net income excluding merger and restructuring expenses of $87.3 million and diluted earnings per share of $0.91, an increase of 86% year-over-year.
- Net interest margin improved to 3.59%, driven by the Premier acquisition and loan growth.
- Noninterest expense excluding restructuring and merger costs was $145.5 million, up 47.5% year-over-year due to acquisition-related expenses and higher FDIC insurance.
- Returns on average assets and tangible equity improved to 1.3% and 17%, respectively.
- Total assets increased 52% year-over-year to $27.6 billion, including $18.8 billion in total portfolio loans.
- Total assets increased 52% year-over-year to $27.6 billion, including $18.8 billion in total portfolio loans and $4.4 billion in securities.
- Total portfolio loans increased 53.6%, with $5.9 billion from Premier and $670 million organic growth.
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- Expanded full-year net interest margin to 7.34% and adjusted net interest margin to 5.92%, reflecting improved rate-related card expense management.
- Fourth quarter net income grew 16% with EPS up 26% to $1.69, supported by 13% growth in non-interest income.
- Liquidity remains strong with $2.3 billion available, higher than the prior year.
- Loans and leases grew to $4.7 billion, a 14% increase primarily from commercial finance verticals including renewable energy and asset-based lending.
- Net income for the year was $185.9 million, driven by a 10% increase in non-interest income compared to the previous year.
- Non-performing loans increased in the quarter but remain well collateralized; net charge-off rate for 2025 was 64 basis points, within historic range.
- Reported full-year earnings per diluted share of $7.87, representing 9% year-over-year growth and exceeding the high end of prior guidance.
- Return on average assets for the year was 2.46%, and return on average tangible equity was 38.75%, indicating strong profitability.
- Expenses were elevated due to a $3.5 million lawsuit settlement but core expenses were around $111.5 million, expected to normalize next quarter.
- Home Bancshares reported record earnings of $118.4 million or $0.60 earnings per share in Q2 2025, with a return on assets of 2.08%, slightly up from Q1's $115.2 million and 2.07% ROA.
- Loan growth was solid, with CCFG portfolio growing by $122 million in Q2 and total loans funded around $1.1 billion.
- Loan loss reserve remained strong at 1.86%, Tier 1 capital at 15.6%, leverage ratio at 13.4%, and total risk-based capital at 19.3%.
- Non-GAAP earnings for the first six months of 2025 were $233.6 million, up over 15% from the prior year period.
- Tangible common equity grew by $1.36 billion or 11.25% over the past 12 months, from $12.08 billion to $13.44 billion.
- The company repurchased over 3 million shares worth about $86 million and paid $150 million in dividends over the past year.
- The non-GAAP return on tangible common equity was 18.26%, with GAAP ROTCE at 17.68%.
- Merger finalized on July 25, 2025, with customer and data conversion beginning immediately.
- The merger increased total assets to approximately $17 billion, making Northwest one of the top 100 bank holding companies in the U.S.
- Key metrics and expected cost reductions from the merger are on target or better than expectations.
- Post-merger, the bank is focusing on operational optimization and expanding through de novo branch openings in high-growth markets like Columbus and Indianapolis.
- Credit quality improved with lower nonperforming loans (NPLs), net charge-offs down to $42 million (45 bps annualized), and provision for credit losses reduced to $50 million.
- Deposits increased by $1.4 billion ending balance, with average balances up $499 million; deposit costs decreased by 5 basis points overall.
- Loan growth was strong at $931 million, with $681 million at Banco Popular Puerto Rico (BPPR) and $251 million at Popular Bank (PB).
- Net income for Q2 2025 was $210 million, up $32 million from Q1, with EPS increasing 21% to $3.09 per share.
- Net interest income (NII) increased by $26 million to $632 million, driven by loan growth, asset repricing, and lower deposit costs.
- Net interest margin expanded by 9 basis points GAAP and 12 basis points tax equivalent.
- Net interest margin expanded by 9 basis points GAAP and 12 basis points tax equivalent basis.
- Noninterest income was $168 million, up $16 million from Q1, driven by higher transaction fees and other operating income.
- Operating expenses increased $22 million to $493 million, mainly due to $17 million higher personnel costs and $13 million profit sharing accrual.
- Regulatory capital remains strong with CET ratio at 15.91% and tangible book value per share at $75.41.
- Return on tangible common equity (ROTCE) was 13.3%, up 190 basis points from Q1, with guidance to exceed 12% ROTCE for full year and target 14% longer term.
- Share repurchases totaled $112 million in Q2 at an average price of $99 per share, with $33 million remaining on prior authorization plus a new $500 million program.
- Credit quality remained strong with NPAs at 0.19% of total assets and net charge-offs at 0.01% annualized.
- Deposit growth was sound at 5% quarter-over-quarter annualized with noninterest-bearing deposits holding steady at 90% of total deposits.
- Loan growth was strong at a 13% annualized pace for Q2, slightly ahead of expectations.
- Net interest income expanded to $40.3 million, up $2.1 million from the prior quarter, driven by higher loan yields.
- Net interest margin increased to 3.29%, an 8 basis point improvement over the previous quarter.
- Operating expenses were $32.6 million, at the low end of guidance, with increases mainly from merit increases and incentive compensation.
- Operating noninterest income rose by $300,000 to $8.9 million, exceeding projections due to insurance, mortgage banking, and capital markets revenues.
- SmartFinancial posted net income GAAP and operating of $11.7 million or $0.69 per diluted share for Q2 2025.
- Tangible book value increased to $24.42 per share including AOCI impact, representing over 13% annualized quarter-over-quarter growth.
- Deposit costs were managed below 2%, with cumulative deposit beta reaching mid-50% range, matching terminal beta from the rising rate cycle.
- Loan growth was strong, with commercial loans up about $3 billion year-to-date, and average loans up $1.6 billion period-end.
- Net charge-offs were $102 million, down 7% sequentially, with credit metrics improving for the sixth consecutive quarter.
- Net interest income grew 28% year-over-year and 4% sequentially, with net interest margin increasing 8 basis points to 2.66%.
- Noninterest income rose 10% year-over-year, driven by investment banking, commercial mortgage servicing, commercial payments, and wealth management.
- Pre-provision net revenue increased by $44 million sequentially, marking the fifth consecutive quarter of growth, with aggregate PPNR up over 60% since Q1 2024.
- Reported second quarter earnings per share of $0.35, with revenues up 21% year-over-year and expenses up about 6% excluding charitable contributions.
- Tangible book value per share increased 3% sequentially and 27% year-over-year.
- Asset quality improved with a 7% reduction in commercial criticized balances and a 4% reduction in non-accrual loans.
- Average loans grew by $1.1 billion to $136.5 billion, driven by commercial, residential mortgage, and consumer loans.
- Diluted GAAP EPS increased to $4.82 from $4.24 in prior quarter, net income rose to $792 million from $716 million.
- Net charge-offs increased to 42 basis points due to resolution of two large C&I credits totaling $49 million.
- Net interest income (taxable equivalent) increased 3% sequentially to $1.77 billion.
- Non-interest expenses increased slightly to $1.36 billion, with higher salaries, benefits, and professional services costs.
- Non-interest income reached $752 million, up from $683 million, with strength across mortgage banking, trust income, and trading.
- Operating ROTA and ROTCE were strong at 1.56% and 17.13%, respectively, with net interest margin expanding to 3.68%.
- Adjusted expenses increased 3.1% linked quarter primarily due to higher personnel expenses related to merit increases and strategic hiring.
- Adjusted revenue increased 2.1% linked quarter due to 2.3% growth in net interest income and 1.8% growth in non-interest income.
- Asset quality improved with net charge-offs declining nine basis points linked quarter to 51 basis points and nonperforming loans down nine basis points linked quarter.
- Average loan balances increased 2% linked quarter and end-of-period loans increased 3.3%, driven by broad-based growth in consumer and wholesale segments.
- Capital position remains strong with a CET1 ratio of 11% stated and 9.3% adjusted for AOCI, supporting balance sheet growth and capital returns.
- Returned $1.4 billion to shareholders via dividends and repurchased $750 million of common stock in the quarter, including opportunistic repurchases above target.
- Truist reported second quarter 2025 net income available to common shareholders of $1.2 billion or $0.90 per share, including $0.02 per share of restructuring charges and $0.01 per share of losses from investment securities sales.
Dafinchi