Exhibit 99.2 ____ Forward-Looking Statements These earnings supplemental materials contain forward-looking statements including, but not limited to, statements about management's plans, goals, expectations, and guidance and assumptions with respect to future financial performance of the Company. Any statements in these supplemental materials that are not statements of historical facts are forward- looking statements. When used in these supplemental materials, the words "anticipate," "believe," "continue," " ...

Simmons First National (SFNC 2.03%), a regional bank focused on retail and commercial banking services, reported its earnings on July 17, 2025. The big news: Non-GAAP earnings per share reached $0.44, exceeding analyst expectations of $0.39 (non-GAAP). However, revenue came in at $214.2 million, slightly below the $216.66 million consensus forecast (non-GAAP). The quarter showed progress in profitability, margin expansion, and efficiency, but also revealed a continued slow pace of growth and a gradual rise ...

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Core Insights - Victory Bancorp, Inc. reported a significant increase in net income for Q2 2025, reaching $693 thousand, which is a 140% increase compared to Q2 2024 [2][8] - The bank's return on average equity improved to 9.07%, up from 4.08% a year ago, indicating strong financial performance [2][12] - The bank opened a new branch in Horsham, contributing to a total deposit growth of $426.43 million, an increase of $41.82 million from the previous year [3][12] Financial Performance - Net income for Q2 2025 was $693 thousand, a $404 thousand increase from $289 thousand in Q2 2024 [2] - Basic and diluted earnings per share were $0.35 and $0.34, respectively, compared to $0.15 and $0.14 in Q2 2024 [7][12] - Return on average assets rose to 0.59% from 0.25% in Q2 2024 [2][12] Deposit and Asset Growth - Total deposits increased to $426.43 million as of June 30, 2025, up from $384.62 million a year ago [3][12] - The bank eliminated its borrowings as of Q2 2025, reflecting a strong balance sheet [3] Equity and Book Value - Stockholders' equity increased to $30.99 million, up from $28.16 million a year ago [5][12] - Book value per common share rose to $15.57, compared to $14.28 a year ago [4][12] Credit Quality - The bank reported no nonperforming assets for the quarter, with net charge-offs at -0.01%, indicating net recoveries [6][12] - The allowance for credit losses to total loans stood at 0.88%, reflecting sound risk management practices [6][12]

Group 1 - SoFi Technologies has seen a significant stock increase following a recent announcement, indicating a favorable time for investment [1] - The company is a rapidly growing digital bank, attracting members with low fees and an innovative financial experience, particularly targeting a young and mobile demographic [2] - SoFi's initial focus was on student loans, and it continues to target educated young professionals, with 90% of deposits coming from direct deposits, ensuring a strong cash flow [4] Group 2 - SoFi is consistently enhancing its service offerings, including access to IPOs and investment opportunities in private funds like SpaceX, as well as a robo-advisor in partnership with BlackRock [5] - The company plans to reintroduce cryptocurrency trading and develop additional crypto-related services, leveraging new regulatory guidelines to enhance its platform [6][7] - SoFi aims to provide global remittances and automate payments through its app, utilizing blockchain technology for cost-effective and efficient transactions [8] Group 3 - SoFi aspires to become a significant player in U.S. banking, targeting a position among the top-10 financial institutions, with a growing loan business supported by lower interest rates [9] - The financial services segment is expanding rapidly, with Q1 2025 adjusted net revenue reaching $771 million, a 33% year-over-year growth, and financial services revenue growing by 101% [10][11] - Despite a forward P/E ratio of 40, the company's high growth rate and potential justify its valuation, making it an attractive long-term investment option [12]

Core Insights - Interactive Brokers Group, Inc. (IBKR) reported a significant year-over-year increase in client Daily Average Revenue Trades (DARTs) for June 2025, leading to a 3.4% rise in its share price [1][10] - Total client DARTs reached 3,448,000 in June 2025, marking a 39.7% increase from June 2024, driven by higher net new accounts and options trading, despite a decline in futures trading [1][10] Group 1: Market Conditions and Client Activity - The company has benefited from increased market volatility and client activity due to tariff concerns and geopolitical risks, which are expected to continue driving new account openings and trading volume [2] - The momentum in client activity is anticipated to persist as investors assess the impact of tariffs on various sectors, suggesting a continued rise in total client DARTs for IBKR [2] Group 2: Global Expansion and Product Diversification - IBKR has enhanced its global presence through product diversification, including extending trading hours for Forecast Contracts and launching these contracts in Canada [3] - The company expanded its offering of Stocks and Shares Investment Savings Accounts in the U.K. by adding mutual funds, providing investors with a broader range of tax-efficient investment products [4] - Recent launches, such as Plan d'Epargne en Actions accounts for French clients and the IBKR GlobalTrader mobile application, have further diversified its offerings [5] Group 3: Technological Advancements - IBKR's technological superiority allows it to process trades across more than 150 exchanges globally, enhancing its operational efficiency [7] - The company has introduced several innovations, including Overnight Trading for U.S. stocks and ETFs, commission-free trading through IBKR Lite, and cryptocurrency trading with lower commissions [6] - The development of proprietary software to automate broker-dealer functions has contributed to a steady rise in revenues, with a compound annual growth rate (CAGR) of 21.8% over the past five years [8] Group 4: Financial Performance and Valuation - Net revenues are projected to improve further, supported by strong DART numbers and increased market participation [9] - IBKR shares are currently trading at a price-to-tangible book (P/TB) ratio of 1.46X, significantly lower than the industry average of 2.87X, indicating a potential buying opportunity [13][14] - Year-to-date, IBKR shares have risen 31.8%, outperforming peers such as Schwab and Tradeweb [15] Group 5: Earnings Estimates and Future Outlook - The Zacks Consensus Estimate for 2025 and 2026 earnings remains stable at $1.76 and $1.89, respectively, indicating expected growth [19] - The company is well-positioned for growth in a volatile operating environment, with strong technological capabilities and diversified product offerings supporting long-term growth [21]

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Core Viewpoint - Santander Bank is selling seven branches in Pennsylvania to Community Bank as part of its strategy to transform into a national, digital-first bank [1][2]. Group 1: Transaction Details - The branches are being sold to Community Bank, which operates around 200 branches across Pennsylvania, New York, Vermont, and Massachusetts [2]. - The sale does not include accounts from Openbank, Santander's digital bank, and is expected to close in the fourth quarter, pending regulatory approval [2][6]. - Community Bank has stated that all branches will remain open and all employees will be offered continued employment post-acquisition [6]. Group 2: Strategic Transformation - Santander Bank is refining its physical presence to optimize its footprint while continuing to invest in both digital offerings and physical branches [3]. - The bank launched Openbank in the U.S. in October, aiming to become a full-service digital bank by the end of 2025 [4]. - Openbank has already gained over 100,000 customers in the U.S. within its first six months, with growth exceeding expectations [5]. Group 3: Future Plans - Santander plans to expand Openbank's offerings to include certificates of deposit, payments, and checking accounts, while enhancing bank branches with new formats and personalized experiences [6]. - The acquisition of the branches will accelerate Community Bank's expansion in Pennsylvania, where it is already establishing additional new branches [7].

Core Insights - Hanover Community Bank has opened its tenth branch in Port Jefferson, New York, marking a significant step in its strategic growth and commitment to serving the Long Island region [1][4] - The new branch offers a full range of commercial banking services and robust consumer banking services, catering to both businesses and individual consumers [2][4] Company Expansion - The Port Jefferson branch is strategically located to serve the thriving Suffolk County area and is Hanover Bank's second branch in this county [2][4] - This expansion is part of Hanover Bank's broader strategy to deliver tailored, community-focused financial support across Long Island and the New York metropolitan area [4] Services Offered - The new branch provides commercial lending, treasury management, cash flow solutions, checking and savings accounts, personal loans, and digital banking tools [2][4] - Hanover Bank emphasizes a relationship-focused banking approach, aiming to empower local residents and businesses while contributing to long-term economic development [3][4] Community Engagement - The bank is committed to hiring professionals from the communities it serves, reinforcing its dedication to understanding local needs [5] - A formal Grand Opening event will be held to engage with business leaders, residents, and community stakeholders [6] Company Background - Hanover Bancorp, Inc. is the holding company for Hanover Community Bank, which focuses on personalized and efficient banking services [7] - The bank offers a complete suite of financial products, including multi-family and commercial mortgages, residential loans, and business lines of credit [7]