Core Viewpoint - First Horizon Corporation will participate in the Barclays 23rd Annual Global Financial Services Conference on September 9, 2025, featuring key executives Bryan Jordan and Hope Dmuchowski [1] Group 1: Company Overview - First Horizon Corporation has $82.1 billion in assets as of June 30, 2025 [4] - The company operates in 12 states, primarily in the southern U.S., through its banking subsidiary, First Horizon Bank [4] - Services offered include commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking [4] Group 2: Recognition and Reputation - First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines [4] - The company is also listed as a Top 10 Most Reputable U.S. Bank [4] Group 3: Event Details - A live webcast and audio replay of the conference will be available on the First Horizon Investor Relations website [2]

Group 1 - Oma Savings Bank Plc will publish its Half-Year Financial Report for January-June 2025 on 4 August 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 [1] - The bank operates 48 branch offices and digital service channels, serving over 200,000 private and corporate customers [2] Group 2 - OmaSp focuses primarily on retail banking operations, providing a broad range of banking services through its own balance sheet and as an intermediary for partners' products [2] - The bank emphasizes personal service and aims to offer a premium customer experience through both digital and traditional channels [3] - A significant portion of the personnel owns shares in OmaSp, indicating employee commitment and investment in the company's success [3]

Financial Performance - Net income available to common shareholders was $2.5 million, resulting in diluted earnings per share of $0.26 in 2Q25[12, 13] - Net interest income increased by $0.4 million, a 2.3% increase, from $17.5 million in 1Q25 to $17.9 million in 2Q25[10, 43] - Total assets under management increased by $320 million, a 4.5% increase, during the quarter to $7.50 billion[34] Loan Portfolio - Total loans held for investment increased by $114.4 million from the prior quarter due to strong loan production[24] - New loan production in 2Q25 reached $166.9 million, with a focus on relationship-based lending[24] - Total loans reached $2.57 billion[18] Deposits - Total deposits increased by 0.4% from $2.52 billion in 1Q25 to $2.53 billion in 2Q25[29] - Noninterest-bearing deposits decreased by 11.7% from $410 million in 1Q25 to $362 million in 2Q25, primarily due to seasonal outflows[29] Expenses and Efficiency - Non-interest expense decreased to $19.1 million from $19.4 million in 1Q25, driven by a decrease in salaries and employee benefits expense[53] - The efficiency ratio improved from 79.16% in 1Q25 to 78.83% in 2Q25[53] Asset Quality - ACL/Total Loans increased from 0.74% in 1Q25 to 0.75% in 2Q25[57]

Core Viewpoint - Meridian Corporation reported strong financial performance for the second quarter of 2025, with significant increases in net income and pre-provision net revenue, driven by improved margins and strong loan sales [2][5][7]. Financial Performance - Net income for Q2 2025 was $5.6 million, or $0.49 per diluted share, representing a 133% increase from the previous quarter [5][30]. - Pre-provision net revenue (PPNR) rose to $11.1 million, up 57% from Q2 2024 [5][30]. - The net interest margin improved to 3.54%, with loan yield increasing to 7.24% [5][30]. Loan and Deposit Growth - Loan growth for the quarter was 2.5%, with management forecasting an annual growth rate of 8-10% [2][5]. - Total assets remained stable at $2.5 billion, with portfolio loans growing by $36.2 million, or 1.7% quarter-over-quarter [19][20]. - Total deposits decreased by $18.4 million, or 0.9%, primarily due to a decline in non-interest bearing deposits [22][23]. Non-Interest Income - Total non-interest income increased by $4.0 million, or 54.1%, driven by a significant rise in mortgage banking income and SBA loan income [15][16]. - Mortgage banking income reached $5.8 million, a 69.8% increase from the previous quarter [15][16]. Non-Interest Expense - Total non-interest expense rose by $2.6 million, or 13.9%, with notable increases in salaries and employee benefits [18][30]. - Salaries and employee benefits increased by $1.8 million, reflecting the hiring of additional staff [18]. Asset Quality - Non-performing loans decreased by $1.7 million to $50.5 million, improving the ratio of non-performing loans to total loans to 2.35% [24][26]. - Net charge-offs increased to $3.6 million, or 0.17% of total average loans, compared to 0.14% in the previous quarter [25][30]. Capital and Equity - Total stockholders' equity increased by $4.5 million to $178.0 million, supported by net income and dividends paid [23][30]. - The Community Bank Leverage Ratio was reported at 9.32% as of June 30, 2025 [23][30].

Core Viewpoint - SB Financial Group, Inc. reported strong financial results for the second quarter of 2025, highlighting significant growth in net income, operating revenue, and loan balances, driven by strategic acquisitions and effective operational management [1][4][5]. Financial Performance - Operating revenue for Q2 2025 was $17.2 million, a 22.3% increase from $14.0 million in Q2 2024 [4][7]. - Net interest income rose to $12.1 million, reflecting a 25.6% year-over-year increase, attributed to strong loan growth and stabilized funding costs [4][5][7]. - Net income for the quarter was $3.9 million, up 23.7% from $3.1 million in the prior year, with diluted earnings per share (DEPS) increasing to $0.60, a 27.7% rise [4][5][7]. Loan and Deposit Growth - Total loans increased by $89.3 million, or 8.9%, year-over-year, with a sequential growth of $6.4 million from the previous quarter [5][14][18]. - Deposits grew by $134.6 million, or 12.1%, year-over-year, reaching $1.25 billion, bolstered by the Marblehead acquisition [5][15][19]. Noninterest Income and Expenses - Noninterest income for Q2 2025 was $5.0 million, a 15.1% increase from the prior year, driven by gains on mortgage loans and title insurance [10][11]. - Noninterest expenses rose to $11.9 million, an 11.1% increase from the previous year, primarily due to higher salary and benefit costs [12][13]. Asset Quality - Nonperforming assets totaled $6.2 million, representing 0.42% of total assets, an increase from 0.39% in the prior year [21][22]. - The allowance for credit losses was 1.43% of total loans, providing 265% coverage of nonperforming loans, indicating a conservative risk management approach [22][23]. Balance Sheet Highlights - As of June 30, 2025, total assets were $1.49 billion, with a robust loan portfolio of $1.09 billion, marking an 8.9% year-over-year increase [14][15]. - Shareholders' equity increased to $133.6 million, reflecting a commitment to enhancing shareholder value through solid earnings performance [15][30]. Strategic Outlook - The company aims to leverage its balance sheet strength and strategic resource management to support long-term growth ambitions, even amid uncertain economic conditions [17].

Core Insights - Mercantile Bank Corporation reported a net income of $22.6 million, or $1.39 per diluted share, for Q2 2025, an increase from $18.8 million, or $1.17 per diluted share, in Q2 2024 [1][2] - The bank's total assets reached $6.18 billion as of June 30, 2025, reflecting a growth of $129 million from December 31, 2024 [12] - The partnership with Eastern Michigan Financial Corporation is expected to enhance Mercantile's position as the largest bank headquartered in Michigan and support strategic goals [25] Financial Performance - Net revenue for Q2 2025 was $60.9 million, up 7.4% from $56.7 million in Q2 2024 [3] - Net interest income increased to $49.5 million, a rise of 5.1% from $47.1 million in the same quarter last year [3][4] - Noninterest income grew to $11.5 million, an increase of 18.4% from $9.7 million in Q2 2024, driven by higher mortgage banking income and other service fees [7][8] Asset Quality - Nonperforming assets totaled $9.7 million, or 0.2% of total assets, as of June 30, 2025, compared to $5.7 million, or less than 0.1%, at the end of 2024 [18][19] - The bank recorded provisions for credit losses of $1.6 million in Q2 2025, down from $3.5 million in Q2 2024, indicating improved asset quality [6][19] Capital Position - Shareholders' equity increased to $632 million as of June 30, 2025, up $47 million from December 31, 2024 [20] - The bank maintained a total risk-based capital ratio of 13.9%, categorizing it as "well-capitalized" [20][21] Loan and Deposit Trends - Total loans increased by $97.2 million, or an annualized 4.3%, during the first half of 2025, primarily due to growth in commercial loans [12] - Total deposits were $4.71 billion as of June 30, 2025, with local deposits down slightly but offset by an increase in brokered deposits [16] Strategic Initiatives - The bank aims to lower its loan-to-deposit ratio through local deposit generation and has seen success in expanding existing deposit relationships [2][17] - The partnership with Eastern Michigan Financial Corporation is expected to provide substantial excess liquidity and enhance Mercantile's operational footprint [25]

Core Insights - Wintrust Financial Corporation reported record net income of $384.6 million for the first half of 2025, an increase from $339.7 million in the same period of 2024, with diluted earnings per share rising to $5.47 from $5.21 [1] - The company achieved record quarterly net income of $195.5 million in Q2 2025, up from $189.0 million in Q1 2025, with pre-tax, pre-provision income also reaching a record of $289.3 million [2][3] - The CEO highlighted strong balance sheet growth and a stable net interest margin of 3.54% in Q2 2025, driven by average earning asset growth [3][4] Financial Performance - Total loans increased by $2.3 billion, or 19% annualized, while total deposits rose by approximately $2.2 billion, or 17% annualized in Q2 2025 [4][5] - Net interest income for Q2 2025 was $546.7 million, an increase from $526.5 million in Q1 2025, attributed to strong average earning asset growth of $1.9 billion [5][11] - Non-interest income totaled $124.1 million in Q2 2025, up from $116.6 million in Q1 2025, with wealth management revenue increasing to $36.8 million [19][20] Asset Quality - The allowance for credit losses was $457.5 million as of June 30, 2025, with a provision for credit losses of $22.2 million in Q2 2025, down from $24.0 million in Q1 2025 [14][16] - Net charge-offs totaled $13.3 million in Q2 2025, consistent with the previous quarter at 11 basis points of average total loans [16][18] Business Segments - Community banking saw growth in commercial, commercial real estate, and residential real estate loan portfolios in Q2 2025 [30][31] - Specialty finance reported originations of $6.1 billion in insurance premium financing receivables during Q2 2025, with significant increases in average balances [32] - Wealth management services generated $36.8 million in revenue, with approximately $53.2 billion in assets under administration as of June 30, 2025 [33] Capital and Ratios - The company completed the issuance of $425 million of Series F Preferred Stock, redeeming $412.5 million of Series D and E preferred stock [9] - As of June 30, 2025, the Tier 1 capital ratio was 11.4%, and the total capital ratio was 12.9% [41]

Financial Performance - Net income available to common shareholders increased by 121% linked-quarter to $1307 million or $036 per diluted common share[10] - Revenue grew by 65% linked-quarter driven by record net interest income and non-interest income[10] - Pre-provision net revenue totaled $1920 million a 165% increase from the prior quarter[10] Balance Sheet and Asset Quality - Average total loans and leases increased by $4517 million or 53% annualized linked-quarter[10] - Average total deposits increased by $1556 million or 17% annualized linked-quarter with non-interest-bearing deposits stable at 26% of total deposits[10] - The ratio of non-performing loans and OREO to total loans and OREO decreased 14 basis points to 034% from the prior quarter[10] - Allowance for Credit Losses totaled $4321 million or 125% of loans stable with the prior quarter[10] Capital and Shareholder Returns - Record tangible book value of $1114 per share with year-over-year growth of $126 or 128%[10] - Record capital metrics CET1 ratio of 108% and tangible common equity to tangible assets of 85%[10] - The company repurchased 07 million shares of common stock at a weighted average share price of $1385 during the second quarter of 2025[10] Guidance - The company expects mid-single-digit growth for both spot loans and spot deposits[65]

Financial Performance - Operating net income available to common shareholders reached a record of $1006 million, or $055 per diluted share[9] - GAAP reported net income available to common shareholders was $966 million in 2Q25, compared to $904 million in 1Q25[7] - Return on Average Assets (annualized) increased from 118% in 1Q25 to 125% in 2Q25[7] - The efficiency ratio increased slightly from 567% to 571%[7] Income Statement - Net interest income increased by $3734 thousand from $251187 thousand in 1Q25 to $254921 thousand in 2Q25[10] - Non-interest income before investment securities gains (losses) increased by $1914 thousand from $67234 thousand to $69148 thousand[10] - Non-interest expense increased by $3351 thousand from $189460 thousand to $192811 thousand[10] Net Interest Margin and Cost of Funds - Net Interest Margin (NIM) was 347% in 2Q25, a 4 basis points increase compared to 1Q25[19] - Total cost of deposits decreased by 5 basis points to 198% in 2Q25[19] Loan and Deposit Portfolio - Office loans represent 3% of the total loan portfolio[49] - Multi-Family loans represent 8% of the total loan portfolio[55] - The average deposit account balance is $30099, with approximately 881632 deposit accounts[42] - Net estimated uninsured deposits represent 24% of total deposits[42, 61]

Core Insights - First Horizon Bank has been recognized on Forbes' list of America's Best-In-State Banks 2025, highlighting its value to residents in each state [1][2] - The ranking is based on an independent survey of over 26,000 customers, evaluating banks on criteria such as Trust, Financial Advice, Client Services, Digital Services, Branch Services, and Terms & Conditions [1] Company Overview - First Horizon Corporation, with $81.5 billion in assets as of March 31, 2025, is a leading regional financial services company headquartered in Memphis, TN [3] - The company operates in 12 states across the southern U.S. and offers a wide range of services including commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking [3] - First Horizon has received recognition as one of the nation's best employers by Fortune and Forbes magazines and is listed as a Top 10 Most Reputable U.S. Bank [3]