Financial Performance - Net income available to common shareholders for Q2 2025 was $2.5 million, or $0.26 per diluted share, a decrease from $4.2 million, or $0.43 per diluted share in Q1 2025, but an increase from $1.1 million, or $0.11 per diluted share in Q2 2024 [2][6]. - Total income before non-interest expense was $22.4 million for Q2 2025, a decrease of 9.3% from $24.7 million in Q1 2025, but an increase of 9.8% from $20.4 million in Q2 2024 [8]. - Net interest income increased to $17.9 million in Q2 2025, up 2.3% from $17.5 million in Q1 2025 and up 13.3% from $15.8 million in Q2 2024 [12][6]. Loan and Deposit Growth - Total loans increased by $115 million, or 4.7%, from $2.43 billion in Q1 2025 to $2.54 billion in Q2 2025 [6][20]. - Total deposits were $2.53 billion as of June 30, 2025, an increase of 0.4% from $2.52 billion in Q1 2025 and an increase from $2.41 billion in Q2 2024 [21]. Net Interest Margin and Efficiency - Net interest margin increased by 6 basis points to 2.67% in Q2 2025 from 2.61% in Q1 2025, and increased by 32 basis points from 2.35% in Q2 2024 [10][11]. - The efficiency ratio improved to 78.83% in Q2 2025 from 79.16% in Q1 2025 and 82.25% in Q2 2024 [17]. Credit Quality - Non-performing assets totaled $18.8 million, or 0.62% of total assets, as of June 30, 2025, compared to $17.1 million, or 0.59% of total assets in Q1 2025, and a decrease from $49.3 million, or 1.68% of total assets in Q2 2024 [26]. - Non-performing loans increased to $14.4 million as of June 30, 2025, from $12.8 million in Q1 2025, but decreased from $37.9 million in Q2 2024 [27]. Capital Position - As of June 30, 2025, the Company exceeded minimum capital levels required by regulators, with a Tier 1 capital to risk-weighted assets ratio of 9.96% [29]. - Book value per common share increased by 0.8% from $26.44 in Q1 2025 to $26.64 in Q2 2025, and increased by 4.3% from $25.55 in Q2 2024 [30].

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Core Viewpoint - Northern Trust Corporation (NTRS) reported second-quarter 2025 adjusted earnings per share (EPS) of $2.13, surpassing the Zacks Consensus Estimate of $2.08, but down from $4.34 in the prior-year quarter. The results were supported by an increase in net interest income (NII) and growth in total assets under custody (AUC) and assets under management (AUM), although elevated expenses, reduced other fee income, and weak asset quality raised concerns [1][9]. Financial Performance - Net income on a GAAP basis was $421.3 million, reflecting a 53% decline from the prior-year quarter [2]. - Quarterly total revenues on a GAAP basis were $1.99 billion, down 26.4% year over year, but exceeded the Zacks Consensus Estimate by 1% [3]. - NII on a fully taxable equivalent basis was $615.2 million, marking a 16.1% increase year over year, with a net interest margin of 1.69%, up 12 basis points from the prior-year quarter [3]. - Trust, investment, and other servicing fees totaled $1.23 billion, up 5.6% year over year [3]. Income and Expenses - Other non-interest income decreased by 84.7% to $156.3 million compared to the year-ago quarter, primarily due to a decline in foreign exchange trading income and other operating income [4]. - Non-interest expenses fell 7.6% year over year to $1.42 billion, driven by reductions in compensation, outside services, occupancy, and other operating expenses [4]. Asset Management - As of June 30, 2025, Northern Trust's total AUC increased by 9.2% year over year to $14.2 trillion, while total AUM rose by 11.2% year over year to $1.7 trillion [5]. Credit Quality - The total allowance for credit losses was $224.1 million, up 6.9% year over year. Total non-accrual assets increased to $92.8 million from $38.5 million in the year-ago period, with provisions for credit losses reported at $16.5 million compared to $8 million in the prior-year quarter [6]. Capital and Profitability - As of June 30, 2025, the Common Equity Tier 1 capital ratio was 12.2%, down from 12.6% in the prior-year quarter. The total capital ratio was 14.8%, down from 15.5% in the year-ago quarter, and the Tier 1 leverage ratio was 7.6%, down from 8% [7]. - The return on average common equity was 14.2%, compared to 31.2% in the year-earlier quarter [7]. Capital Distribution - In the reported quarter, Northern Trust returned $485.6 million to shareholders through share repurchases and dividends [10].

Core Insights - Thomasville Bancshares, Inc. reported strong financial performance for the quarter ended June 30, 2025, driven by solid growth, improved margins, and excellent operating efficiency [3][5] - The company is well-positioned to maintain this strong performance throughout the year, supported by a resilient culture that fosters creativity among its bankers [3] Financial Performance - Net Income for the quarter was $11,828,466, a 16% increase from $10,206,006 in the same period last year [5] - Year-to-date (YTD) Net Income reached $22,331,844, up 14% from $19,563,994 in the previous year [5] - YTD Earnings per share were $3.48 (basic) and $3.36 (diluted) [5] - Return on Average Assets was 2.40% and Return on Average Tangible Equity was 24.88% [5] Asset and Loan Growth - Total Assets amounted to $1.927 billion, reflecting an increase of $162 million over the same period in 2024 [5] - Loans grew to $1.648 billion, an increase of $176 million or 12% year-over-year [5] - Deposits reached $1.626 billion, an increase of $104 million or 7% year-over-year [5] Company Overview - Thomasville Bancshares, Inc. was founded in 1995 and serves as the holding company for Thomasville National Bank, which has total assets exceeding $1.927 billion [4] - TNB was ranked 4th nationally in American Banker's Top 200 Community Banks based on three years average return on shareholders' equity [4] - TNB Financial Services manages client assets over $5 billion and offers a range of financial services [4]

Company Overview - First Western Financial, Inc. is a financial services holding company headquartered in Denver, Colorado, with operations in Colorado, Arizona, Wyoming, California, and Montana [5] - The company provides a fully integrated suite of wealth management services on a private trust bank platform, including deposit, loan, trust, wealth planning, and investment management products and services [5] - First Western's common stock is traded on the NASDAQ Global Select Market under the symbol "MYFW" [5] Upcoming Financial Results - First Western will release its financial results for the second quarter ended June 30, 2025, after the markets close on Thursday, July 24, 2025 [1] - A conference call will be held on Friday, July 25, 2025, at 10:00 a.m. Mountain Time/12:00 p.m. Eastern Time to discuss the financial results [2] - The conference call will be webcast live on the News & Events page of First Western's investor relations website, with an archived version available shortly after the live call [4]

Core Points - WesBanco, Inc. will host a conference call on July 30, 2025, to review its financial results for the second quarter of 2025, with results expected to be released after market close on July 29, 2025 [1] - The conference call can be accessed via a live webcast on the company's website or by dialing specific numbers for participants [2] - A replay of the conference call will be available starting July 30, 2025, and will last until August 13, 2025, with access codes provided for participants [3] Company Overview - WesBanco, Inc. has over 150 years of experience as a community-focused regional financial services provider, offering a range of banking solutions, trust, brokerage, wealth management, and insurance services [4] - The company is headquartered in Wheeling, West Virginia, and has total assets of $27.4 billion, with $7.0 billion in assets under management in its Trust and Investment Services [4] - Securities account values, including annuities, amount to $2.4 billion through its broker/dealer as of March 31, 2025 [4]