Financial Performance - Net income available to common shareholders for Q2 2025 was $2.5 million, or $0.26 per diluted share, a decrease from $4.2 million, or $0.43 per diluted share in Q1 2025, but an increase from $1.1 million, or $0.11 per diluted share in Q2 2024 [2][6]. - Total income before non-interest expense was $22.4 million for Q2 2025, a decrease of 9.3% from $24.7 million in Q1 2025, but an increase of 9.8% from $20.4 million in Q2 2024 [8]. - Net interest income increased to $17.9 million in Q2 2025, up 2.3% from $17.5 million in Q1 2025 and up 13.3% from $15.8 million in Q2 2024 [12][6]. Loan and Deposit Growth - Total loans increased by $115 million, or 4.7%, from $2.43 billion in Q1 2025 to $2.54 billion in Q2 2025 [6][20]. - Total deposits were $2.53 billion as of June 30, 2025, an increase of 0.4% from $2.52 billion in Q1 2025 and an increase from $2.41 billion in Q2 2024 [21]. Net Interest Margin and Efficiency - Net interest margin increased by 6 basis points to 2.67% in Q2 2025 from 2.61% in Q1 2025, and increased by 32 basis points from 2.35% in Q2 2024 [10][11]. - The efficiency ratio improved to 78.83% in Q2 2025 from 79.16% in Q1 2025 and 82.25% in Q2 2024 [17]. Credit Quality - Non-performing assets totaled $18.8 million, or 0.62% of total assets, as of June 30, 2025, compared to $17.1 million, or 0.59% of total assets in Q1 2025, and a decrease from $49.3 million, or 1.68% of total assets in Q2 2024 [26]. - Non-performing loans increased to $14.4 million as of June 30, 2025, from $12.8 million in Q1 2025, but decreased from $37.9 million in Q2 2024 [27]. Capital Position - As of June 30, 2025, the Company exceeded minimum capital levels required by regulators, with a Tier 1 capital to risk-weighted assets ratio of 9.96% [29]. - Book value per common share increased by 0.8% from $26.44 in Q1 2025 to $26.64 in Q2 2025, and increased by 4.3% from $25.55 in Q2 2024 [30].

Core Insights - Morgan Stanley's second-quarter 2025 earnings per share (EPS) reached $2.13, exceeding the Zacks Consensus Estimate of $1.93 and reflecting a 17% increase from the previous year [1][9] Financial Performance - Quarterly net revenues were $16.79 billion, a 12% increase year over year, surpassing the Zacks Consensus Estimate of $15.92 billion [5] - Net interest income (NII) rose to $2.34 billion, up 14% from the prior year, beating the projected $2.27 billion [5] - Total non-interest revenues increased by 12% to $14.45 billion, exceeding the estimate of $13.63 billion [5] - Total non-interest expenses were $11.97 billion, a 10% rise, which was higher than the projected $11.59 billion [5] Segment Performance - Institutional Securities: Pre-tax income was $2.11 billion, a 3% increase year over year, with net revenues of $7.64 billion, up 9% [7] - Wealth Management: Pre-tax income reached $2.2 billion, a 21% increase, with net revenues of $7.76 billion, rising 14% [8] - Investment Management: Pre-tax income climbed 45% to $323 million, with net revenues of $1.55 billion, up 12% [10] Capital Position - As of June 30, 2025, book value per share was $61.59, up from $56.80 a year ago, and tangible book value per share was $47.25, up from $42.30 [12] - The Tier 1 capital ratio was 17.6%, compared to 17.3% in the previous year [12] Shareholder Returns - The company repurchased 8 million shares for $1 billion and reauthorized a multi-year share repurchase program of up to $20 billion [13] - A quarterly dividend of $1.00 per share was announced, representing an 8% increase from the prior payout [13] Market Outlook - The rebound of the investment banking business and a solid deal-making pipeline are expected to support Morgan Stanley's financials moving forward [14]

Core Insights - CNB Community Bancorp, Inc. reported a net income of $3.0 million for Q2 2025, reflecting a 2.8% increase from $2.9 million in Q2 2024, driven by higher net interest income and noninterest income, particularly from Wealth Management [1] - Basic earnings per share rose to $1.48 in Q2 2025, up $0.13 from $1.35 in Q2 2024, while net income for the first half of 2025 remained stable at $5.7 million compared to the same period in 2024 [2] - The annualized return on average assets (ROA) decreased to 0.95% in Q2 2025, down from 0.96% in Q2 2024, and the return on average equity (ROE) also declined to 11.71% from 11.98% [3] Financial Performance - Total assets increased by $32.3 million, or 2.6%, to $1.28 billion year-over-year, while net loans rose by $47.8 million, or 4.7%, to $1.06 billion [7] - Total deposits grew by $56.3 million, or 5.4%, to $1.10 billion compared to $1.05 billion a year earlier [7] - Book value per share increased by $5.01, or 10.9%, to $51.15 as of June 30, 2025, compared to $46.14 a year prior [7] Management Commentary - The President and CEO emphasized the company's financial strength in navigating economic challenges, highlighting the ability to gather deposits and lend within communities [4] - The company maintains a solid capital position, allowing for recent dividend increases to shareholders, reinforcing its commitment to providing quality returns [4] Company Overview - CNB Community Bancorp, Inc. is a one-bank holding company established in 2005, with its subsidiary, County National Bank, providing full-service banking since 1934 [6]

Company Overview - First Western Financial, Inc. is a financial services holding company headquartered in Denver, Colorado, with operations in Colorado, Arizona, Wyoming, California, and Montana [5] - The company provides a fully integrated suite of wealth management services on a private trust bank platform, including deposit, loan, trust, wealth planning, and investment management products and services [5] - First Western's common stock is traded on the NASDAQ Global Select Market under the symbol "MYFW" [5] Upcoming Financial Results - First Western will release its financial results for the second quarter ended June 30, 2025, after the markets close on Thursday, July 24, 2025 [1] - A conference call will be held on Friday, July 25, 2025, at 10:00 a.m. Mountain Time/12:00 p.m. Eastern Time to discuss the financial results [2] - The conference call will be webcast live on the News & Events page of First Western's investor relations website, with an archived version available shortly after the live call [4]