Financial Performance - Net income for the second quarter of 2025 was $264 million, with diluted earnings per share of $093[16] - The company's return on average assets (ROAA) was 128%, and the pre-tax pre-provision ROAA (PTPP ROAA) was 182% for Q2 2025[16] - Total revenue for Q2 2025 reached $1056 million, a 97% increase compared to Q1[16] - The net interest margin (NIM) remained strong at 407% for Q2 2025[16] - For the first half of 2025, net income was $500 million, with diluted earnings per share of $177[14] - Total revenue for the first half of 2025 was $2018 million, a 63% increase from the same period in 2024[14] Loan and Deposit Trends - Average loan growth was 107% annualized in Q2 2025[16] - Average deposit growth was 183% annualized in Q2 2025[16] - The loan-to-deposit ratio was 916%[16] - Total deposits as of June 30, 2025, were $71 billion[7] - Total loans as of June 30, 2025, were $65 billion[7] Asset Quality - Net charge-offs to average loans were 083% in Q2 2025[16] - Nonperforming loans (NPLs) trended down 30%[55] Capital and Liquidity - The Common Equity Tier 1 (CET1) ratio was 1378%[14] - The company has $35 billion in immediate borrowing availability[64]

Financial Performance - Earnings per share increased to $2.07 in Q2 2025, compared to $1.79 in Q1 2025 and $1.75 in Q2 2024[5] - Net income reached $237.8 million in Q2 2025, a 22.8% year-over-year increase[5, 6] - Net revenue increased to $845.9 million in Q2 2025, compared to $778.0 million in Q1 2025 and $771.8 million in Q2 2024[5] - Pre-Provision Net Revenue (PPNR) was $331.2 million in Q2 2025, a 16.2% year-over-year increase[5, 6] - Tangible book value per share increased to $55.87, a 14.5% year-over-year increase[5, 6] Balance Sheet and Capital - Total loans increased to $55.939 billion in Q2 2025, a $3.5 billion or 6.7% increase year-over-year[5, 6, 39] - Total deposits increased to $71.107 billion in Q2 2025, a $4.9 billion or 7.3% increase year-over-year[5, 35] - CET1 ratio stood at 11.2% in Q2 2025[5, 6] Asset Quality - Provision for credit losses was $39.9 million in Q2 2025[5] - Net loan charge-offs were $29.6 million in Q2 2025, representing 0.22% of average loans[5] - Non-Performing Loans (NPLs) represented 0.76% of funded HFI loans in Q2 2025[5, 6] Net Interest Income and Margin - Net interest income increased by $47.0 million, or 7.2%, primarily due to a higher average balance of interest earning assets[9, 23] - Net Interest Margin (NIM) increased to 3.53%[5, 23] Non-Interest Expense and Efficiency - Adjusted efficiency ratio (excluding deposit costs) decreased to 51.8%[5, 29] - Deposit costs increased by $10.6 million to $147.4 million[29] Loan Composition - Commercial & Industrial (C&I) loans comprised 44.6% of the loan portfolio, totaling $24.9 billion[39]

Core Viewpoint - Oma Savings Bank Plc reported a challenging first quarter for 2025, with high costs and declining market interest rates negatively impacting financial results. The bank is focused on strengthening its operations and customer relationships moving forward [3][4][5]. Financial Performance - The comparable profit before taxes for Q1 2025 was EUR 4.6 million, a significant decrease from EUR 25.6 million in the same period last year [4][12]. - The cost/income ratio for the quarter was 54.4%, compared to 34.1% in the previous year, indicating increased operational costs [12][13]. - Net interest income fell by 18.3% year-over-year to EUR 46.9 million, primarily due to lower market interest rates [6][12]. - Total operating income decreased by 18.9% to EUR 60.1 million, while total operating expenses increased by 31.9% to EUR 34.2 million [12][13]. Cost Structure - The rise in costs is largely attributed to the implementation of the risk management action plan (Noste), which incurred total investments of EUR 11.6 million [5][12]. - Impairment losses on financial assets totaled EUR -22.3 million, with one-third related to updates in the expected credit loss (ECL) calculation model [8][12]. Customer and Market Position - The mortgage loan portfolio grew by 3.0%, the corporate loan portfolio by 0.4%, and the deposit base by 2.7% compared to the previous year [7][12]. - Customer satisfaction remains high, with the bank gaining 10,000 new customers following the acquisition of Handelsbanken [10][11]. Outlook and Guidance - The bank maintains its earnings guidance for 2025, expecting comparable profit before taxes to be between EUR 65 million and EUR 80 million, likely below the midpoint of this range [14][17]. - The ongoing economic uncertainty and declining market interest rates are expected to continue affecting the bank's performance [15][17].

Financial Performance - FirstSun Capital Bancorp reported a net income of $23.6 million and diluted earnings per share of $0.83 for Q1 2025[14] - The company's Return on Average Assets (ROAA) was 1.20%, and the Pre-Tax Pre-Provision Return on Average Assets (PTPP ROAA) was 1.70%[14] - The Net Interest Margin (NIM) remained strong at 4.07%[14] - Service fee income accounted for 22.6% of total revenue[14] Loan and Deposit Trends - Average loan portfolio experienced a decline of 2.6% annualized, excluding loans held for sale[14] - Average deposit growth was 1.0% annualized[14] - The loan-to-deposit ratio stood at 94.3%[14] - Total assets reached $8.2 billion, total deposits amounted to $6.9 billion, and total loans reached $6.5 billion[7] Strategic Focus and Outlook - The company operates in 5 of the top 10 fastest-growing MSAs and has a presence in 7 of the 10 largest MSAs in the Southwest & Western US[7] - For the full year 2025, the company anticipates a mid-single-digit growth rate for both loans and deposits[60] - The company expects the efficiency ratio to be in the mid-60s for the year[60]

Company Overview - Oma Savings Bank Plc is a solvent and profitable Finnish bank, providing services through 48 branch offices and digital channels to over 200,000 private and corporate customers [2] - The bank focuses primarily on retail banking operations and offers a wide range of banking services, including credit, investment, and loan insurance products, as well as mortgage banking [2] Customer Service and Experience - The core idea of OmaSp is to provide personal service and maintain a local presence for customers, both digitally and traditionally [3] - The bank aims to deliver a premium customer experience through personalized service and easy accessibility, with a strong emphasis on customer-oriented development of operations and services [3] - A significant portion of the personnel are shareholders in OmaSp, indicating a commitment to the bank's success and alignment of interests [3] Upcoming Financial Reporting - Oma Savings Bank Plc will publish its interim report for January-March 2025 on 5 May 2025, with results presented by CEO Karri Alameri [1] - A Finnish-language webcast will be held on the same day at 11.00 EET, and the recording will be available later on the company's website [1]