Chainlink Powers $20 Billion In Home Equity And Auto Loans Flowing Into DeFi Via HastraHastra (@HastraFi) is expanding its use of @chainlink as official oracle infrastructure, unlocking access to $20 billion in Home Equity Lines of Credit (HELOC) and auto loans for onchain private credit markets.Hastra is a DeFi liquidity protocol incubated by Figure Technology Solutions, the largest player in blockchain-based private credit with a 70 percent market share. Figure's signature HELOC product, together with its ...

Investor Presentation TD Bank Group – Q1 2026 Title Slide S E C T I O N O N E Caution Regarding Forward-Looking Statements From time to time, the Bank (as defined in this document) makes written and/or oral forward-looking statements, including in this document, in other filings with Canadian regulators or the United States (U.S.) Securities and Exchange Commission (SEC), and in other communications. In addition, representatives of the Bank may make forward-looking statements orally to analysts, investors, ...

Core Insights - First Savings Financial Group, Inc. reported a significant increase in net income for the fiscal year ended September 30, 2025, with net income of $23.2 million, or $3.32 per diluted share, compared to $13.6 million, or $1.98 per diluted share, for the previous year [1][9] - The company announced a merger agreement with First Merchants Corporation, which is expected to enhance shareholder value and contribute to future success [2][19] Financial Performance - Net interest income increased by $7.2 million, or 12.5%, to $65.3 million for the year ended September 30, 2025, driven by a $5.5 million increase in interest income and a $1.7 million decrease in interest expense [3][22] - Noninterest income rose by $6.3 million, primarily due to a $4.0 million net gain on sales of home equity lines of credit (HELOC) and a $1.2 million increase in net gain on sale of SBA loans [5][12] - Noninterest expense increased by $4.1 million, mainly due to higher compensation and benefits, reflecting stronger company performance [6][13] Asset Quality and Provisions - The company recognized a provision for unfunded lending commitments of $452,000 and a reversal of provision for credit losses for loans and securities totaling $118,000 and $9,000, respectively, indicating improved asset quality [4][11] - Nonperforming loans decreased from $16.9 million at September 30, 2024, to $14.6 million at September 30, 2025, reflecting a positive trend in loan performance [4][15] Tax and Equity - Income tax expense increased to $3.7 million for the year ended September 30, 2025, compared to $1.0 million for the same period in 2024, primarily due to higher taxable income [8][14] - Total stockholders' equity increased by $16.4 million, from $177.1 million at September 30, 2024, to $193.5 million at September 30, 2025, driven by retained earnings [18][23] Financial Condition - Total assets decreased by $50.8 million, from $2.45 billion at September 30, 2024, to $2.40 billion at September 30, 2025, largely due to a decrease in net loans held for investment [15][17] - Total liabilities decreased by $67.2 million, primarily due to a reduction in total deposits, while customer deposits increased by $118.2 million [17][23]

Household Debt Overview - Total household debt in the U.S. reached $18.39 trillion in Q2 2025, with an increase of $4.24 trillion since Q4 2019 [2] - The increase in household debt is attributed to mortgages, home equity lines of credit (HELOC), auto loans, and credit cards [1] Mortgages - Mortgages represent the largest share of household debt, with balances rising by $131 billion to $12.94 trillion by the end of June 2025 [3] - Mortgage originations increased slightly to $458 billion in Q2 2025, while 53,000 homeowners faced foreclosure [3] Home Equity Lines of Credit (HELOC) - HELOC balances grew by $9 billion in Q2 2025, marking the 13th consecutive increase, totaling $411 billion [4] Credit Cards - Credit card balances surged by $27 billion in Q2 2025, bringing total credit card debt to $1.21 trillion [5] - Delinquency rates increased by 6.93%, indicating more Americans are struggling to manage monthly payments [6] Auto Loans - Auto loan balances rose by $13 billion in June 2025, totaling $1.66 trillion, with new auto loans and leases increasing to $188 billion [7] - The median credit score for new auto borrowers dropped by six points, suggesting that more individuals with weaker credit are seeking financing [7] Student Loans - Student loan balances increased by $7 billion in June 2025, reaching a total of $1.64 trillion [8] - Over 10% of student loan balances are now 90 days past due, reflecting rising delinquency rates as missed federal payments reappear on credit reports [8]

Core Financial Performance - The company reported net income of $6.2 million, or $0.88 per diluted share, for the quarter ended June 30, 2025, compared to $4.1 million, or $0.60 per diluted share, for the same quarter in 2024, marking a significant year-over-year increase [1] - For the nine months ended June 30, 2025, net income was $17.9 million, or $2.57 per diluted share, compared to $9.9 million, or $1.45 per diluted share, for the same period in 2024 [9] Revenue and Income Analysis - Net interest income increased by $2.2 million, or 15.1%, to $16.7 million for the quarter ended June 30, 2025, driven by an increase in interest income and a decrease in interest expense [3] - Noninterest income rose by $1.3 million for the quarter ended June 30, 2025, primarily due to gains from sales of SBA loans and home equity lines of credit [5] Expense Management - Noninterest expense increased by $1.3 million for the quarter ended June 30, 2025, mainly due to higher compensation and benefits related to stronger company performance [6] - The efficiency ratio improved to 64.45% for the quarter ended June 30, 2025, compared to 70.11% for the same period in 2024, indicating better cost management [30] Asset Quality and Credit Losses - The company recognized a provision for credit losses of $347,000 for loans and $77,000 for unfunded lending commitments for the quarter ended June 30, 2025, compared to higher provisions in the same period of 2024 [4] - Nonperforming loans decreased from $16.9 million at September 30, 2024, to $15.2 million at June 30, 2025, reflecting improved asset quality [4] Capital and Equity Position - Total stockholders' equity increased by $6.7 million, from $177.1 million at September 30, 2024, to $183.8 million at June 30, 2025, primarily due to retained earnings [18] - The company maintained a "well-capitalized" status under applicable regulatory capital guidelines as of June 30, 2025 [18] Strategic Outlook - The company is optimistic about continued profitability and growth in the SBA Lending segment, with a robust lending pipeline for the fourth fiscal quarter [2] - Focus areas include customer deposit growth, selective loan growth opportunities, and prudent capital and liquidity management [2]