OMA SAVINGS BANK, PLC STOCK EXCHANGE RELEASE 26 FEBRUARY 2026 AT 15.00 P.M. OTHER INFORMATION DISCLOSED TO THE RULES OF THE EXCHANGE The Board of Directors of Oma Savings Bank Plc commences a new plan period of the employee share savings plan PLAN PERIOD 2026-2029, EMPLOYEE SHARE SAVINGS PLAN The Board of Directors of Oma Savings Bank Plc (“Company” or “OmaSp”) has decided to continue the employee share savings plan (“ESSP”) established in February 2024. The details of the new plan period correspond to the ...

Core Insights - SB Financial Group, Inc. reported a net income of $3.9 million for Q4 2025, marking a 7.8% increase year-over-year, with diluted earnings per share (DEPS) of $0.63, up 14.5% from the previous year [5][6][19] - The company achieved a total operating revenue of $16.4 million in Q4 2025, a 6.3% increase compared to Q4 2024, driven by higher net interest income [6][19] - For the full year 2025, net income reached $14.0 million, a 21.8% increase from $11.5 million in 2024, with adjusted DEPS of $2.31, up 35.1% [5][6][19] Financial Performance - Operating revenue for the twelve months ended December 31, 2025, was $65.6 million, a 15.1% increase from $56.9 million in 2024 [3] - Net interest income for Q4 2025 was $12.7 million, a 16.7% increase from $10.9 million in Q4 2024, driven by strong loan growth and rising loan yields [4][6] - Total loans increased by $133.9 million, or 12.8%, year-over-year, reaching $1.18 billion [12][16] Asset and Deposit Growth - Total deposits grew to $1.31 billion, an increase of $154.6 million, or 13.4%, year-over-year, supported by stable core deposit relationships [4][13] - The company reported a loan-to-deposit ratio of 90.3% and a loan-to-asset ratio of 76% as of December 31, 2025 [12] Noninterest Income and Expenses - Noninterest income for Q4 2025 totaled $3.7 million, a decrease of 18.6% from the prior year, primarily due to lower mortgage loan servicing fees [9][10] - Noninterest expense increased by 2.1% to $11.2 million, driven by higher occupancy costs and state taxes, while the efficiency ratio improved to 68.1% [11][19] Asset Quality - Nonperforming assets totaled $4.7 million, representing 0.30% of total assets, a decrease from 0.40% in the prior year [19][20] - The allowance for credit losses was 1.36% of total loans, providing coverage of 351.9% of nonperforming loans, indicating strong credit risk management [20][21]

Financial Data and Key Metrics Changes - The company reported net income of $16 million or $0.83 per share for Q4 2025, an increase from $10.8 million or $0.56 per share in the previous quarter, representing a 41% increase year-over-year on an adjusted basis [6][8] - Net interest income reached $40.7 million, up 5% from Q3 and 24% year-over-year, with a margin of 2.56, increasing by 16 basis points from Q3 and 61 basis points year-over-year [6][7] - Non-interest income rose by 5% compared to Q3 and 15% year-over-year on an adjusted basis [8] Business Line Data and Key Metrics Changes - Wealth management revenues increased by 5%, with average assets under administration (AUA) rising by 4% quarter-over-quarter and 9% year-over-year [8] - Mortgage banking revenues totaled $3.3 million, down 7% seasonally but up 14% year-over-year, with full-year mortgage originations totaling $667 million, a 31% increase from 2024 [8][9] - Total loans increased modestly by $12 million from September 30, while in-market deposits rose by 1% from Q3 and 9% year-over-year [9][10] Market Data and Key Metrics Changes - The company experienced a normalized provision for credit losses, with non-accruing loans at 25 basis points of total loans and zero non-accruing commercial loans [10] - The effective tax rate for the full year was 22.5%, with an expectation of approximately 22% for 2026 [9] Company Strategy and Development Direction - The company is focusing on strategic investments in wealth management and commercial banking, including the hiring of a new Chief Commercial Banking Officer and the establishment of a dedicated institutional banking team [4][5] - A new branch is set to open in Pawtucket, Rhode Island, enhancing the company's presence in the northern part of the state [5] - The company aims to improve its balance sheet with high-quality commercial and industrial (C&I) loans and strong deposit opportunities [4] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the sustainability of the current margin levels, projecting an increase in the margin due to a swap termination and organic expansion [15] - The company anticipates a solid 5% year-over-year loan growth, with expectations for the C&I team to grow faster than the commercial real estate (CRE) sector [31][36] - Management remains cautious about credit quality, noting a relatively large residential portfolio and the potential for reserve adjustments [17][20] Other Important Information - Non-interest expenses totaled $38 million in Q4, up 6%, with salaries and benefits reflecting higher performance-based compensation and increased staffing [9] - The company has a remaining share authorization of 582,000 shares for buybacks, with no immediate plans to increase buybacks but remains open to capital deployment strategies [75][74] Q&A Session Summary Question: Sustainability of margin levels - Management indicated that the margin is expected to increase by 9 basis points in Q2 and 4 basis points in Q3, with organic expansion projected at 3-4 basis points per quarter [15] Question: Credit reserve levels - Management stated that the current reserve levels are adequate based on their portfolio and historical performance, with potential minor adjustments over time [17][20] Question: Wealth management opportunities - Management clarified that the focus is on the institutional banking team serving the nonprofit sector, rather than aggressive M&A activity [21] Question: Outlook on expenses - Management expects a 6% increase in expenses for Q1, driven by annual merit raises and new team investments [28] Question: Loan growth outlook - Management anticipates a 4%-5% growth in CRE and a solid 5% year-over-year growth overall, with confidence in the new commercial lending team [31][36] Question: Expansion of wealth management - Management is optimistic about expanding wealth management through new hires and strategic investments, while remaining cautious about M&A opportunities [64]

Core Viewpoint - Huntington Bancshares Incorporated (HBAN) is experiencing underperformance in its stock relative to the broader market, despite showing some positive operational metrics in its recent earnings report [2][4]. Company Overview - Huntington Bancshares is an Ohio-based regional bank holding company that operates primarily through The Huntington National Bank, offering a variety of financial services including consumer, commercial, and mortgage banking, as well as wealth management and insurance [1]. Stock Performance - Over the past 52 weeks, HBAN stock has declined marginally, while the S&P 500 Index has increased by 15%. In the last six months, HBAN shares have risen by 2.5%, compared to a 9.2% return for the S&P 500 [2]. - HBAN has also underperformed the Financial Select Sector SPDR Fund (XLF), which returned 3.3% over the past year, although it outperformed the ETF's slight decline over the last six months [3]. Recent Earnings Report - On January 22, shares of Huntington Bancshares fell nearly 6% following the release of Q4 FY2025 earnings. The company reported an adjusted EPS of $0.37, which was slightly lower than the previous quarter but higher than the same period last year, indicating improving profitability [4]. - Net interest income increased by $197 million, or 14% year-over-year, reflecting strong balance-sheet growth. Noninterest income also rose by 4% annually to $582 million, despite some sequential softness [4]. Lending Activity - Lending activity remained strong, with average loans and leases increasing by 14% to $146.6 billion, demonstrating sustained demand across key segments [5]. - The quarter marked the successful completion of the Veritex integration, and management has reaffirmed its expansion strategy through a pending partnership with Cadence Bank, positioning Huntington for accelerated growth despite short-term market volatility [5]. Future Earnings Expectations - For the current fiscal year ending in December 2026, analysts project HBAN's EPS to grow by 11.4% year-over-year to $1.66. The company has a promising earnings surprise history, having beaten or matched bottom-line estimates in three of the past four quarters, although it missed in the previous quarter [6].

Core Insights - Alerus reported a revenue of $63.35 million for the quarter ended December 2025, reflecting a 12.2% decrease year-over-year and falling short of the Zacks Consensus Estimate of $71.1 million by 10.9% [1] - The company's EPS was $0.85, significantly higher than the $0.44 reported in the same quarter last year, and exceeded the consensus EPS estimate of $0.57 by 48.26% [1] Financial Performance Metrics - Alerus's efficiency ratio was reported at 557.5%, which is substantially higher than the average estimate of 70.9% from two analysts [4] - The average balance of total interest-earning assets was $4.93 billion, slightly below the estimated $5.04 billion [4] - The net charge-offs to average loans stood at -0%, compared to the estimated 0.1% [4] - The net interest margin, tax-equivalent, was reported at 3.7%, exceeding the estimate of 3.3% [4] - Retirement and benefit services revenue was $17.26 million, above the estimated $16.77 million [4] - Wealth management revenue reached $7.44 million, surpassing the estimate of $6.95 million [4] - Mortgage banking revenue was $3.2 million, exceeding the average estimate of $2.8 million [4] - Tax-equivalent net interest income was reported at $45.83 million, higher than the estimated $42.26 million [4] - Total noninterest income was $31.45 million, compared to the average estimate of $28.85 million [4] - Service charges on deposit accounts were $0.73 million, slightly below the estimated $0.83 million [4] Stock Performance - Alerus shares have returned +7.4% over the past month, outperforming the Zacks S&P 500 composite, which saw a +0.8% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Core Insights - Alerus Financial Corporation reported a net loss of $33.1 million for Q4 2025, a significant decline from a net income of $16.9 million in Q3 2025 and a slight loss of $0.1 million in Q4 2024 [1][8] - The company undertook a strategic balance sheet repositioning, selling $360.1 million in available-for-sale securities, resulting in a one-time pre-tax net loss of $68.4 million [2][4] - CEO Katie O'Neill Lorenson highlighted 2025 as a defining year, achieving an adjusted return on average assets of 1.35% and an adjusted efficiency ratio of 64.45% [3][6] Financial Performance - Adjusted pre-provision net revenue for Q4 2025 was $25.3 million, up from $22.1 million in Q3 2025, indicating improved operational efficiency [2][8] - Net interest income for Q4 2025 was $45.2 million, a 4.7% increase from $43.1 million in Q3 2025, driven by lower costs of funds [11][12] - The adjusted return on average tangible common equity for Q4 2025 was 21.05%, compared to 18.55% in Q3 2025, reflecting strong profitability despite the net loss [8][27] Asset and Liability Management - Total assets decreased to $5.2 billion as of December 31, 2025, primarily due to declines in available-for-sale and held-to-maturity investment securities [19] - Total loans held for investment increased by 1.4% to $4.0 billion, driven by growth in consumer and commercial loans [20] - Total deposits were $4.2 billion, a decrease of 4.3% from the previous year, attributed to a reduction in high-cost time deposits [21] Noninterest Income and Expenses - Noninterest loss income for Q4 2025 was $(36.9) million, a significant decrease from Q3 2025, primarily due to the strategic repositioning [14][15] - Noninterest expense for Q4 2025 was $51.9 million, a slight increase from Q3 2025, driven by higher occupancy and equipment expenses [16][17] - Adjusted noninterest income for Q4 2025 was $31.9 million, an increase of 8.3% from Q3 2025, supported by growth in wealth management and retirement services [14][15] Capital and Equity - Tangible book value per common share increased to $17.55 as of December 31, 2025, up from $14.44 a year earlier, indicating strong capital growth [27] - The tangible common equity to tangible assets ratio improved to 8.72% as of December 31, 2025, from 7.13% the previous year, reflecting enhanced capital strength [27][28] - Total stockholders' equity rose to $564.9 million, an increase of $69.5 million from the previous year, primarily due to higher accumulated other comprehensive income [27]

Earnings Presentation Fourth Quarter 2025 January 28, 2026 Non-GAAP Disclosures In this presentation, we refer to tangible book value per share, fee income to operating revenue, adjusted net income, adjusted diluted EPS, adjusted ROAA, adjusted ROAE and the efficiency ratio, which are non-GAAP measures. For a reconciliation of these non-GAAP measures to GAAP results and our rationale for usage of non-GAAP measures, please refer to the GAAP to Non- GAAP reconciliation. 2 Financial Highlights Cautionary Note ...

Financial Data and Key Metrics Changes - In Q4 2025, EPS was $2.59, up 33% year-over-year, with a return on average assets of 1.23% and return on average tangible common equity at 16.9% [5] - For the full year, net interest income reached a record $2.9 billion, net revenue was $3.5 billion, and pre-provision net revenue was $1.4 billion, with net revenue and pre-provision net revenue increasing 12% and 26% respectively from the prior year [10] - Non-interest income rose 25%, primarily driven by stronger commercial banking and disbursement fees [10] Business Line Data and Key Metrics Changes - HFI loan growth for the full year was $5 billion, or 9%, with deposits increasing by $10.8 billion, or 16% [6] - Mortgage banking revenues were relatively stable, only down $5 million compared to the prior quarter, with expectations for stronger results in 2026 due to favorable regulatory changes and mortgage rate reductions [7] - Regional Banking posted about $1 billion of loan growth, with significant contributions from Innovation Banking and hotel franchise finance [14] Market Data and Key Metrics Changes - Total deposits were essentially flat for the quarter, with notable growth in Regional Banking deposits, which increased by $1.4 billion [15] - The mix of ECR deposits is expected to hold constant, with around 37% of total deposits being ECR on an average basis [52] - The bank's total assets expanded to approximately $93 billion, with total equity ending the year at $8 billion [14] Company Strategy and Development Direction - The company aims to cross $100 billion in assets by year-end 2026 while maintaining steady expense growth [8] - The focus is on organic growth, with loan growth projected at $6 billion and deposit growth at $8 billion for 2026 [24] - The company is investing in new business lines and technology to support future growth, with a strong emphasis on operational efficiency [79] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in strong earnings momentum for 2026, supported by a healthier macro backdrop and accommodative regulatory environment [24] - The outlook includes expectations for net interest income growth of 11%-14% and non-interest income growth of 2%-4% [25] - Management anticipates net charge-offs to be between 25 and 35 basis points as they work through non-accrual balances [26] Other Important Information - The company issued $400 million of subordinated debt to bolster its total capital ratio [21] - Tangible book value per share increased by 17.3% year-over-year to $61.29, reflecting strong organic earnings [21] - The efficiency ratio improved, with a Q4 efficiency ratio of 55.7% [11] Q&A Session Summary Question: Balance sheet growth guidance - Management indicated that the projected loan growth of $6 billion and deposit growth of $8 billion leads the peer group and reflects organic growth [31] Question: Charge-off expectations - Charge-offs are expected to be slightly higher in the first half of the year as the company works to reduce non-accrual loans [34] Question: Non-interest income sustainability - The strength in non-interest income is driven by treasury management and digital disbursements, with expectations for continued growth [39] Question: ECR deposit expectations - ECR deposits are expected to hold constant in mix, with a beta of 65%-70% on ECR deposits [54] Question: Loan origination spreads - The company is experiencing competitive pressures but maintains a focus on quality and operational efficiency [57]

Financial Data and Key Metrics Changes - In Q4 2025, EPS was $2.59, up 33% year-over-year, with a return on average assets of 1.23% and return on average tangible common equity at 16.9% [4] - For the full year, net interest income reached a record $2.9 billion, net revenue was $3.5 billion, and pre-provision net revenue was $1.4 billion, with net revenue and pre-provision net revenue increasing 12% and 26% respectively from the prior year [8] - Non-interest income rose 25%, primarily driven by stronger commercial banking and disbursement fees, while non-interest expense growth slowed to 4% [8][9] Business Line Data and Key Metrics Changes - HFI loan growth for the full year was $5 billion, or 9%, with regional banking and specialized C&I verticals contributing significantly [4][10] - In Q4, mortgage banking revenues only declined by $5 million compared to the prior quarter, indicating stability despite seasonal trends [5] - The Juris Banking team completed over 17 million digital payments related to a major settlement, showcasing the effectiveness of the disbursement platform [5] Market Data and Key Metrics Changes - Total deposits increased by $10.8 billion, or 16%, driven by strong inflows in regional banking and a 40% growth in specialty escrow businesses [4][10] - Regional Banking deposits grew by $1.4 billion in Q4, with notable contributions from Innovation Banking and Specialty Escrow Services [12] - The mix of ECR deposits is expected to remain consistent, with around 37% of total deposits being ECR on an average basis [33] Company Strategy and Development Direction - The company aims to cross $100 billion in assets by year-end 2026 while maintaining a stable expense structure [6] - There is a focus on organic growth opportunities, with expectations of $6 billion in loan growth and $8 billion in deposit growth for 2026 [19][20] - The company is emphasizing the growth of lower-cost deposit channels and higher-yielding C&I loans to enhance net interest margin [43][44] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in strong earnings momentum for 2026, supported by a pro-growth regulatory environment and improving visibility on rate normalization [19] - The outlook for net interest income growth is projected at 11%-14%, assuming two rate cuts during the year [20] - Asset quality remains stable, with expectations for net charge-offs to be between 25 and 35 basis points as non-accrual balances are proactively reduced [21] Other Important Information - The company issued $400 million of subordinated debt to bolster its capital ratio, and tangible book value per share rose 17% year-over-year to $61.29 [11][17] - The efficiency ratio improved, with a Q4 efficiency ratio of 55.7% and an adjusted efficiency ratio of 46.5% [14] - The company has been a leader in creating shareholder value, with EPS growth and tangible book value accumulation ranking in the top quartile relative to peers over the last decade [18] Q&A Session Summary Question: Balance sheet growth guidance - Management indicated that the projected loan growth of $6 billion and deposit growth of $8 billion is leading the peer group and reflects organic growth [23] Question: Charge-off expectations - Charge-offs are expected to be higher in the first half of the year as the company works through non-accrual loans, with a normalization expected in the latter half [25] Question: Non-interest income sustainability - The strength in non-interest income is driven by treasury management and digital disbursements, with expectations for continued growth in these areas [27] Question: ECR deposit expectations - ECR deposits are expected to maintain a consistent mix, with a beta of 65%-70% on ECR deposits, and efforts are being made to shift towards lower-cost deposits [33][34]

Core Insights - Community Financial System (CBU) reported revenue of $216.33 million for Q4 2025, a year-over-year increase of 9.7% and an EPS of $1.07 compared to $0.94 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of $213.34 million by 1.4%, while the EPS fell short of the consensus estimate of $1.13 by 5.31% [1] Financial Performance Metrics - Efficiency ratio (GAAP) was reported at 64.3%, higher than the estimated 61.2% by analysts [4] - Net Interest Margin remained stable at 3.4%, matching analyst estimates [4] - Total interest-earning assets averaged $15.72 billion, slightly below the estimated $15.9 billion [4] - Net charge-offs/average loans were reported at 0.1%, consistent with analyst estimates [4] - Fully tax-equivalent net interest income was $134.3 million, slightly above the estimated $134.11 million [4] - Total Non-Interest Income reached $82.03 million, exceeding the average estimate of $79.23 million [4] - Employee benefit services generated $36.56 million, above the estimated $35.72 million [4] - Insurance services reported $12.68 million, slightly below the estimated $12.76 million [4] - Wealth management services brought in $9.57 million, close to the estimated $9.59 million [4] - Mortgage banking income was $0.39 million, significantly lower than the estimated $0.94 million [4] - Deposit service and other banking fees totaled $23.21 million, surpassing the estimated $20.14 million [4] Stock Performance - Community Financial shares have returned +5% over the past month, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]