2nd Quarter 2025 Update Kansas City, MO July 29, 2025 Presentation Index | Corporate Overview & Investment Thesis | 3 | | --- | --- | | Purchase Accounting Update | 8 | | 2nd Quarter 2025 Results | 11 | | Line of Business Updates | 29 | | Long-Term Performance Trends | 40 | | Appendix | 48 | | Board of Directors | | | Forward-Looking Statements Non-GAAP Reconciliations | | | Peer Group | | Please refer to the Forward-Looking Statements on slide 50 for important disclosures about information contained in thi ...

Northwest Bancshares (NWBI) Q2 2025 Earnings Call July 30, 2025 08:30 AM ET Speaker0Good morning. Thank you for joining us, and welcome to Northwest Bancshares' Second Quarter twenty twenty five Earnings Call. This session is being recorded, and a playback will be available on Northwest Investor Relations website. All participants are currently in a listen only mode. Following prepared remarks, we will be we will open the call for a question and answer session.Now I would like to introduce Michael Perry, No ...

（编辑 姚尧） 证券日报网讯 7月30日晚间，华夏银行发布公告称，本行于近日收到《国家金融监督管理总局关于祝小 芳华夏银行独立董事任职资格的批复》。国家金融监督管理总局已核准祝小芳女士担任本行独立董事的 任职资格。 ...

Financial Performance - BayFirst's net interest income for the three months ended June 30, 2025, was $12348 thousand, compared to $9182 thousand for the same period in 2024[27] - The company reported a net loss of $1237 thousand for the three months ended June 30, 2025, compared to a net income of $866 thousand for the same period in 2024[27] - For the six months ended June 30, 2025, BayFirst's net interest income was $23347 thousand, compared to $17924 thousand for the same period in 2024[28] - The company experienced a net loss of $1572 thousand for the six months ended June 30, 2025, compared to a net income of $1690 thousand for the same period in 2024[28] Balance Sheet and Loan Portfolio - Total assets reached $134 billion as of June 30, 2025, representing a 47% growth since December 31, 2020[6] - Total loan production for the quarter was $157 million, with loans held for investment growing by $41 million during the quarter[18] - Total deposits increased by $36 million for the quarter and $121 million over the last twelve months[22] - The investment securities portfolio has minimal exposure to market value losses, representing 02% of total assets[25] Community Banking - Total deposits across 12 branches reached $1163796 thousand as of June 30, 2025, compared to $1042388 thousand on June 30, 2024[53] - Loan production in community banking for the quarter was $507 million[54] Government Guaranteed Banking - The company is ranked 8 nationally in total SBA units and 18 in dollars for the SBA's quarter ended June 30, 2025[67] - Since its launch in June 2022, the Bolt program has originated loans totaling $8699 million, including $679 million in Q2 2025[67]

Earnings Presentation July 30th, 2025 2Q25 BRGAAP Disclaimer This presentation may contain certain forward-looking statements and information pertaining to Banco Santander (Brasil) S.A. and its subsidiaries, which reflect the current views and / or expectations of Santander Brasil and its management regarding its business performance and future events. Forward-looking statements include, without limitation, any statement that may predict, forecast, suggest or imply future results, performance or achievement ...

Financial Performance - Net income available to common shareholders was $873 million, or $091 per share, excluding restructuring and merger-related expenses and day 1 provision for credit losses on acquired loans[6, 39] - Net interest margin improved to 359%, up 64 basis points year-over-year and 24 basis points quarter-over-quarter[6, 23] - Return on average tangible equity was 1716%, an increase of 838 basis points compared to the same quarter last year[8] - Efficiency ratio improved to 555%, driven by the benefits of the PFC acquisition and positive operating leverage[7] Loan and Deposit Growth - Total loans increased 536% year-over-year to $188 billion, reflecting $59 billion of loans from PFC and organic growth[6, 10, 11] - Total deposits increased 575% year-over-year to $212 billion, including $69 billion of deposits from PFC and organic growth[13, 15] - Year-over-year organic deposit growth was $850 million, or 63%, fully funding organic loan growth[15] Asset Quality and Capital - Non-performing assets to total assets ratio was 031%[6, 8] - Tangible common equity to tangible assets ratio was 760%[6, 19] - The allowance for credit losses on loans was $2239 million, providing a coverage ratio of 119%[31] Securities Portfolio - Total securities were $439 billion, representing 16% of total assets[17] - The securities portfolio had a weighted average yield of 321%[19]

7月30日，央行官网公布，2025年第二季度全国新发放商业性个人住房贷款加权平均利率为 3.09%。 上海金融圈，突传大消息！ 来源： 央行官网 ...

Second Quarter 2025 Earnings Conference Call July 30, 2025 Louis J. Torchio T.K. Creal President and Chief Executive Officer Chief Credit Officer Douglas M. Schosser Michael D. Perry Sean P. Morrow Treasurer Chief Financial Officer Corporate Development & Strategy Investor Relations Forward-looking Statements and Additional Information The information contained in this presentation may contain forward-looking statements. When used or incorporated by reference in disclosure documents, the words "believe," "a ...

Core Viewpoint - ChargePoint is experiencing significant stock volatility, but underlying fundamentals are improving, indicating a disciplined strategy for long-term growth in the electric vehicle (EV) market [2][12]. Financial Performance - ChargePoint's non-GAAP gross margin increased to 31% in Q1 FY 2026, up from 24% in the same quarter last year, reflecting improved profitability [3]. - Revenue from subscription services grew 14% year-over-year to $38.0 million, highlighting the importance of a stable income stream from its software-as-a-service (SaaS) model [5]. - Non-GAAP operating expenses were reduced by 15% year-over-year, demonstrating financial discipline and cost management [6]. Market Strategy - ChargePoint is targeting the European fleet market, launching products like the Flex Plus home charger and Driver Management Solution to capitalize on this opportunity [7]. - A partnership with Arval, a subsidiary of BNP Paribas, positions ChargePoint as the preferred charging solution for new EV contracts in France and Germany, enhancing market access [8]. Technological Advancements - ChargePoint is developing more efficient AC charging technology and collaborating with Eaton on vehicle-to-everything (V2X) technology, expanding its role in energy management [9]. Key Metrics to Monitor - Subscription revenue growth is crucial for ongoing profitability, with a focus on maintaining double-digit growth [11]. - Sustaining a gross margin above 30% in future quarters will confirm the new profitability level [11]. - Continued cost control is essential for building investor confidence [11]. - Updates on the Arval partnership and initial sales volumes will serve as indicators of success in the European market [11].

RUTHERFORD, N.J., July 30, 2025 (GLOBE NEWSWIRE) -- Blue Foundry Bancorp (NASDAQ:BLFY) (the “Company”), the holding company for Blue Foundry Bank (the “Bank”), today reported a net loss of $2.0 million, or $0.10 per diluted common share, for the three months ended June 30, 2025, compared to net loss of $2.7 million, or $0.13 per diluted common share, for the three months ended March 31, 2025, and a net loss of $2.3 million, or $0.11 per diluted common share, for the three months ended June 30, 2024. James D ...