NYSE: FCF Forward-looking statements speak only as of the date on which they are made. First Commonwealth undertakes no obligation to update any forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made. 3 4Q 2025 Earnings Release Webcast Presentation January 28, 2026 2 FORWARD-LOOKING STATEMENTS Certain statements contained in this release that are not historical facts may constitute "forward-looking statements" within the meaning of Sec ...

Net income of $21.5 million, or $1.11 per diluted earnings per share, for the three months ended December 31, 2025 compared to net income of $21.9 million, or $1.13 per diluted earnings per share, for the three months ended September 30, 2025;Net income of $80.9 million and diluted earnings per share of $4.18 for the year ended December 31, 2025 compared to net income of $22.1 million and diluted earnings per share of $1.48 for the year ended December 31, 2024;Adjusted net income and diluted earnings per sh ...

Financial Review ZIONS FOURTH QUARTER 2025 J a n u a r y 2 0 , 2 0 2 6 FORWARD-LOOKING STATEMENTS; USE OF NON-GAAP FINANCIAL MEASURES Forward-Looking Information This presentation contains "forward-looking statements" as defined under the Private Securities Litigation Reform Act of 1995. These statements reflect management's current expectations and assumptions regarding future events and outcomes. However, they are inherently subject to known and unknown risks, uncertainties, and other factors that could c ...

Core Viewpoint - Home Federal Bancorp, Inc. of Louisiana reported a significant increase in net income for the third quarter of 2025, driven by higher net interest income and non-interest income, alongside a reduction in non-interest expenses compared to the same period in 2024 [1][2]. Financial Performance - Net income for the three months ended September 30, 2025, was $1.599 million, up from $941,000 in the same period of 2024 [1]. - Basic and diluted earnings per share were $0.53 and $0.52, respectively, compared to $0.31 for the same period in 2024 [1]. - Net interest income increased by $834,000, or 18.8%, while non-interest income rose by $350,000, or 116.7% [2]. Asset and Liability Management - Total assets increased by $13.138 million, or 2.2%, from $609.492 million at June 30, 2025, to $622.630 million at September 30, 2025 [7]. - Total liabilities rose by $11.752 million, or 2.1%, from $554.287 million at June 30, 2025, to $566.039 million at September 30, 2025 [8]. Income and Expense Analysis - Non-interest expenses decreased by $160,000, primarily due to reductions in compensation and benefits, audit fees, and other operational costs [6]. - The increase in non-interest income was attributed to a decrease in losses on the sale of real estate and increases in service charges and gains on loan sales [5]. Capital and Equity - Stockholders' equity increased by $1.386 million, or 2.5%, from $55.205 million at June 30, 2025, to $56.591 million at September 30, 2025 [11]. - The increase in equity was supported by net income and a decrease in accumulated other comprehensive loss [11]. Asset Quality - Non-performing assets decreased to $2.225 million at September 30, 2025, down from $3.305 million at June 30, 2025 [9]. - The allowance for credit losses as a percentage of total loans receivable was 0.94% at September 30, 2025, compared to 1.03% at June 30, 2025 [19]. Operational Metrics - The average interest rate spread improved to 2.99% for the three months ended September 30, 2025, compared to 2.23% for the same period in 2024 [19]. - The net interest margin increased to 3.63% from 2.98% year-over-year [19].

Core Insights - Orrstown Financial Services, Inc. reported a net income of $21.9 million for Q3 2025, an increase from $19.4 million in Q2 2025 and a recovery from a net loss of $7.9 million in Q3 2024 [1][2] - The diluted earnings per share (EPS) rose to $1.13 in Q3 2025, compared to $1.01 in Q2 2025 and a loss of $0.41 in Q3 2024 [1][2] - The company achieved its strongest quarter of earnings on record, with a return on assets of 1.60% and a return on equity of nearly 16% [2] Financial Performance - Net interest income for Q3 2025 was $51.0 million, up from $49.5 million in Q2 2025, with a net interest margin of 4.11% [8][9] - Noninterest income increased by $0.5 million to $13.4 million in Q3 2025 from $12.9 million in Q2 2025 [16] - Noninterest expenses decreased by $1.3 million to $36.3 million in Q3 2025, with no merger-related expenses incurred during this period [20] Balance Sheet Highlights - Loans held for investment increased by $48.4 million to $4.0 billion as of September 30, 2025, with commercial loans up by approximately 5% [3] - Total deposits remained stable at $4.5 billion, with increases in money market and time deposits [5] - The company redeemed $32.5 million in subordinated notes during Q3 2025, impacting its capital ratios [6][28] Capital and Equity - Shareholders' equity rose to $571.9 million at September 30, 2025, compared to $548.4 million at June 30, 2025 [26] - Tangible book value per common share increased to $24.12 from $22.77 during the same period [27] - The company's capital ratios remained above regulatory minimums, with tier 1 common equity at 11.1% [28][29] Credit Quality - The allowance for credit losses on loans increased slightly to $48.1 million, representing 1.21% of total loans [14] - Classified loans decreased to $64.1 million, with delinquent loans also showing a decline [15] - Nonaccrual loans increased to $26.2 million, reflecting a rise in nonaccrual status for certain commercial and residential loans [15]

Core Insights - UMB Financial Corp. reported second-quarter 2025 operating earnings per share of $2.96, exceeding the Zacks Consensus Estimate of $2.35 and up from $2.16 in the same quarter last year [1][12] - The strong performance was driven by organic growth in UMBF's operations and benefits from the acquisition of Heartland Financial USA, Inc. [2][15] Financial Performance - Net income on a GAAP basis was $217.4 million, compared to $101.3 million in the prior-year quarter [3] - Quarterly revenues reached $689.2 million, a 73.8% increase year over year, surpassing the Zacks Consensus Estimate by 8.2% [4] - Net interest income (NII) on a fully taxable equivalent (FTE) basis was $475.3 million, an 88.9% increase from the previous year, with a net interest margin (NIM) of 3.10% compared to 2.51% [5] - Non-interest income was $222.2 million, up 53.3% year over year, driven by gains in investment securities and service charges [6] Expense Analysis - Non-interest expenses totaled $393.2 million, a 57.8% increase year over year, primarily due to higher salaries and employee benefits from the Heartland acquisition [7] - The efficiency ratio improved to 53.38%, down from 63.37% in the prior-year quarter, indicating enhanced profitability [8] Asset Quality and Credit Metrics - Average loans and leases increased to $36.4 billion, up 12.7% sequentially, while average deposits rose 10.7% year over year to $55.6 billion [9] - The ratio of net charge-offs to average loans was 0.17%, up from 0.05% in the prior-year quarter, indicating a decline in credit quality [10] - Total non-accrual and restructured loans rose to $97 million from $13.7 million in the prior-year quarter, with a provision for credit losses of $21 million compared to $14.1 million previously [10] Capital Ratios - As of June 30, 2025, the Tier 1 risk-based capital ratio was 11.24%, slightly up from 11.14% a year ago, while the Tier 1 leverage ratio decreased to 8.34% from 8.50% [13] Profitability Metrics - Return on average assets improved to 1.29% from 0.96% in the prior-year quarter, while the operating return on average common equity was stable at 13.31% compared to 13.30% [14] Future Outlook - The company is expected to maintain performance momentum through continued integration of Heartland Financial and prudent risk management strategies [15]