Dafinchi AI

West Bancorporation, Inc.

WTBA

Financial Services

3w

Financial Performance Summary

Brokered funding was reduced by approximately $127 million, improving liquidity.
Core deposit balances increased by approximately $195 million in the quarter, driven in part by a municipal bond offering.
Loan balances decreased slightly to just under $3 billion due to payoffs and refinancing, but new loans were originated at higher interest rates.
Net interest income and overall earnings improved compared to prior periods.
No provision for credit losses was recorded due to strong credit quality.
The loan portfolio yield improved to 5.59% in Q2 from 5.52% in Q1, partially offset by a 4 basis point increase in deposit costs.
West Bancorporation reported net income of $8 million in Q2 2035, up from $7.8 million in Q1 2035 and $5.2 million in Q2 2024.

Bridgewater Bancshares, Inc.

BWB

Financial Services

2w

Financial Performance Summary

Asset quality remained strong with no net charge-offs, nonperforming assets steady at 0.19%, and classified loans showing a modest uptick.
Bridgewater reported strong revenue and balance sheet growth trends in Q2 2025, with net interest margin expanding by 11 basis points to 2.62%.
Expenses were well controlled with a slight increase due to FDIC insurance, charitable contributions, and marketing, resulting in an adjusted efficiency ratio of 51.5%.
Fee income reached record levels excluding one-time gains, including nearly $1 million in swap fee income and over $200,000 in investment advisory fees from the First Minnetonka City Bank acquisition.
Net interest income grew by $2.2 million during the quarter, driven by loan portfolio repricing and strong loan growth at a 12.5% annualized rate.
Noninterest income increased $773,000 or 37% excluding securities gain and FHLB prepayment income.
Tangible book value per share grew nearly 11% annualized year-to-date, with $1.6 million of common stock repurchased in Q2.

Equity Bancshares, Inc.

EQBK

Financial Services

4w

Financial Performance Summary

Equity Bancshares reported net income of $15.3 million or 86¢ per diluted share for Q2 2025, adjusted earnings were $16.6 million or 94¢ per diluted share.
Loan balances increased by $100 million year-to-date, deposits excluding seasonal public funds remained stable.
Net interest income was $49.8 million, up $1.8 million linked quarter, with a margin improvement to 4.17%.
Noninterest expenses were $40 million, adjusted to $38.3 million excluding M&A and extinguishment charges, showing modest decline.
Noninterest income increased by $500,000 excluding prior quarter BOLI benefits, driven by customer service charges.
Provision for credit loss was minimal at $19,000, with ACL coverage at 1.26%.
Tangible common equity (TCE) ratio improved to 10.63%, up 41% year-over-year, and tangible book value per share increased 25% to $32.17.

Business First Bancshares, Inc.

BFST

Financial Services

2w

Financial Performance Summary

Net charge-offs were exemplary at 0.01%, despite some negative asset quality migration.
Non-GAAP core net income was $19.5 million and EPS was $0.66 after excluding acquisition and core conversion expenses.
Noninterest-bearing deposits increased 7.8% linked quarter, driven by short-term inflows.
Noninterest expense was $51.2 million GAAP, $49.6 million core, relatively flat quarter-over-quarter.
Q2 GAAP net income was $20.8 million with EPS of $0.70, including a $3.36 million gain on branch sale.
ROAA was 1%, net interest margin remained stable at 3.68% GAAP and 3.64% core.
Total deposits decreased $38.5 million, mainly due to interest-bearing deposit withdrawals and branch sale.
Total loans held for investment increased 4.5% annualized, driven by C&I and CRE growth.

Enterprise Financial Services Corp

EFSC

Financial Services

2w

Financial Performance Summary

Adjusted return on assets was 1.31% and pre-provision ROAA was 1.72%.
Deposits grew by $73 million net of broker deposits, with core deposits up nearly $800 million year-over-year.
Loan growth was 4% annualized or $110 million, with contributions from nearly all business areas and geographic markets.
Net interest income increased by $5.2 million quarter-over-quarter, with net interest margin expanding 6 basis points to 4.21%.
Noninterest expense increased by $5.9 million due to merit increases, deposit costs, acquisition costs, and loan workout expenses.
Noninterest income increased by $2.1 million from the prior quarter, driven by bank-owned life insurance and community development income.
Nonperforming assets decreased slightly; net charge-offs were negligible aided by a $3 million recovery on a previously charged-off loan.
Tangible book value per common share increased to $40.02, an annualized quarterly increase of 15%.
Tangible common equity to tangible assets ratio was 9.42%, with a return on tangible common equity of 13.96%.
The company earned $1.36 per diluted share in Q2 2025, up from $1.31 in the prior quarter and $1.19 year-over-year.

Banc of California, Inc.

BANC

Financial Services

2w

Financial Performance Summary

Average loan yields increased to 5.93%, driven by higher-yielding loan categories and a 7.29% average rate on new loan production.
Banc of California reported net income of $18.4 million or $0.12 per share and adjusted net income of $48.4 million or $0.31 per share for Q2 2025.
Credit quality improved with declines in nonperforming loans, classified loans, and special mention loans as a percentage of total loans by 19, 46, and 115 basis points respectively.
Net charge-offs excluding loan sale impacts were 12 basis points of loans.
Net interest income increased 3.4% quarter-over-quarter to $240 million, with net interest margin expanding to 3.10%.
Noninterest expense was $185.9 million, slightly up from Q1 but below the target range of $190 million to $195 million per quarter.
Noninterest income was $32.6 million, down 3% from the prior quarter due to mark-to-market fluctuations on CRA-related equity investments and credit-linked notes.
Pretax pre-provision income grew 6% quarter-over-quarter driven by solid revenue growth outpacing a slight increase in expenses.
Tangible book value per share grew for the fifth consecutive quarter to $16.46.
Total annualized loan growth was 9%, supported by broad-based commercial loan production and loan originations of $1.2 billion, the highest since the merger.

OneMain Holdings, Inc.

OMF

Financial Services

2w

Financial Performance Summary

30-plus delinquency was 5.07%, down 29 basis points year-over-year.
Capital generation was $222 million, up 63% year-over-year.
C&I adjusted earnings were $1.45 per share, up 42%.
C&I net charge-offs were 7.6%, down 60 basis points from last quarter and down 88 basis points year-over-year.
Consumer loan net charge-offs were 7.2%, down 64 basis points from last quarter and down 110 basis points year-over-year.
Consumer loan yield was 22.6%, up 19 basis points from the first quarter and up 67 basis points year-over-year.
GAAP net income was $167 million or $1.40 per diluted share, up 137% from $0.59 per diluted share in Q2 2024.
Interest income grew 10% year-over-year driven by receivables growth and yield improvement.
Managed receivables ended the quarter at $25.2 billion, up 7% from a year ago.
Net leverage at the end of Q2 was 5.5x, flat to last quarter.
Operating expenses were $415 million, up 11% compared to a year ago.
Originations grew 9%, driven by expanded use of granular data and product innovations.
Total revenue grew 10% and receivables grew 7% year-over-year, crossing the $25 billion mark for the first time.

First Horizon Corporation

FHN

Financial Services

4w

Financial Performance Summary

Capital levels remained stable with CET1 ratio near 11%, and $9 million of share repurchases executed in Q2.
Charge-off ratio remained stable at 22 basis points, consistent with expectations, with net charge-offs increasing slightly to $34 million.
Expenses increased by $4 million excluding deferred compensation, with personnel costs down $3 million but advertising and outside services up due to marketing investments.
Fee income decreased by $3 million quarter-over-quarter, impacted by a 6% decline in ADR and a flat rate environment affecting fixed income performance.
First Horizon reported an adjusted EPS of $0.45 for Q2 2025, a $0.03 increase from the prior quarter, driven by $10 million incremental net interest income and strong credit conditions.
Loans and deposits both increased by 2% quarter-over-quarter, with loans to mortgage companies up $689 million and C&I loans up $316 million.
Net interest income grew by $10 million, primarily from loan portfolio growth, especially in mortgage warehouse lending.
Net interest margin compressed by 2 basis points to 3.40%, influenced by higher interest-bearing deposit costs and brokered CDs growth.

Fidelity National Information Services, Inc.

FIS

Financial Services

1w

Financial Performance Summary

Adjusted EBITDA grew 5%, exceeding the top end of the outlook, with margins improving 200 basis points sequentially.
Adjusted EPS was $1.36, meeting expectations despite higher depreciation and amortization expenses.
Banking EBITDA margin contracted 70 basis points due to an $8 million bad debt charge; Capital Markets margin contracted 50 basis points due to acquisition-related dilution.
Banking revenue grew 6%, above the high end of guidance, driven by commercial excellence and strong client retention.
Capital Markets revenue grew 5%, slightly below expectations due to temporary slowdown in loan syndication activity.
FIS delivered 5% revenue growth in Q2 2025, accelerating from 4% in Q1, driven primarily by momentum in the Banking segment.
Free cash flow was $292 million with a cash conversion rate of 52% in Q2, and 61% year-to-date, improving from 53% prior year.
Leverage increased modestly to 3x, or 2.9x excluding currency impacts, with a long-term target of 2.8x.
Recurring revenue represented 81% of total revenue, growing 6% overall with 7% growth in Banking recurring revenue.