Core Viewpoint - First Western Financial, Inc. will release its financial results for the fourth quarter ended December 31, 2025, after market close on January 22, 2026 [1] Group 1: Financial Results Announcement - The financial results will be announced after the markets close on January 22, 2026 [1] - A conference call to discuss the financial results will be held on January 23, 2026, at 10:00 a.m. Mountain Time / 12:00 p.m. Eastern Time [2] - Analysts and investors will have the opportunity to participate in a question-and-answer session during the conference call [2] Group 2: Conference Call and Webcast Information - Participants must register for the conference call to receive the dial-in number and personalized PIN code [3] - The conference call will be accessible via a Telephone Access link and will also be webcast live on the investor relations website [4] - An archived version of the webcast will be available shortly after the live call [4] Group 3: Company Overview - First Western Financial, Inc. is a financial services holding company based in Denver, Colorado, with operations in multiple states including Colorado, Arizona, Wyoming, California, and Montana [5] - The company offers a comprehensive suite of wealth management services on a private trust bank platform, including deposit, loan, trust, wealth planning, and investment management products [5] - First Western's common stock is traded on the NASDAQ Global Select Market under the symbol "MYFW" [5]

Core Viewpoint - A legal dispute is unfolding over the foreclosure of Casa Encantada, a mansion owned by Karen Winnick, widow of Global Crossing founder Gary Winnick, who claims the lender CIM Group engaged in a "loan-to-own scheme" that escalated her husband's initial $100 million loan to $155 million in debt [1][3]. Group 1: Legal Dispute - Karen Winnick is attempting to prevent the foreclosure of her 40,000-square-foot residence in Bel-Air, claiming she is becoming "effectively destitute" [1]. - In her cross-complaint, she accuses CIM Group of orchestrating a deceptive scheme and alleges that she did not understand the loan terms or consent to the collateral involved [2][3]. - The complaint includes demands for a jury trial, with allegations of fraud and elder financial abuse [3]. Group 2: CIM Group's Response - CIM Group denies any wrongdoing, labeling the allegations from the Winnick family as "fantastical" and asserting that Karen was aware of the loan terms since she accessed funds after her husband's death [4]. - The company is not convinced by Karen's claim of having a buyer who would reduce the debt by 80% and is proceeding with plans for foreclosure in mid-December, stating that the proposed sale price of $130 million is too low [4]. Group 3: Loan-to-Own Scheme Explanation - The "loan-to-own" accusation refers to a practice where lenders issue loans with terms designed to lead to default, allowing them to take control of valuable properties [6]. - Lenders may use aggressively structured loan terms, such as high or variable interest rates, which can cause the debt to increase rapidly, making it difficult for borrowers to keep up with payments [7].

Core Viewpoint - OceanFirst Financial Corp. and Flushing Financial Corp. have entered into a definitive merger agreement to combine in an all-stock transaction valued at $579 million, creating a high-performing regional bank with a significant presence in New Jersey, Long Island, and New York markets [1][3]. Transaction Details - The merger will result in Flushing Bank merging into OceanFirst Bank, with OceanFirst Bank as the surviving entity [1][10]. - Flushing stockholders will receive 0.85 shares of OceanFirst common stock for each share of Flushing common stock [10]. - The transaction is expected to close in the second quarter of 2026, pending regulatory approvals and shareholder votes [12]. Financial Metrics - The combined company is projected to have approximately $23 billion in assets, $17 billion in total loans, and $18 billion in total deposits across 71 retail branches [3]. - The merger is expected to enhance profitability metrics, with estimated EPS accretion of 16%, ROATCE of 13%, and ROAA of 1.00% by 2027 [8][9]. - A $225 million equity raise is fully committed at a fixed price, with shares priced at $19.76 [4][11]. Leadership and Governance - Christopher Maher, CEO of OceanFirst, will continue as CEO of the combined company, while John Buran, CEO of Flushing, will become the non-executive Chairman of the Board [6]. - The board will consist of 17 directors, with ten from OceanFirst, six from Flushing, and one from Warburg Pincus [6]. Strategic Rationale - The acquisition is seen as a natural extension of OceanFirst's growth strategy, enhancing its presence in deposit-rich markets of New York [3][6]. - The combination aims to leverage Flushing's distribution network and OceanFirst's relationship-driven business model to better serve customers and create shareholder value [6][7].

Financial Highlights - MetaPlanet secured a new $130 million loan under its credit facility [1] - The credit facility has a total limit of $500 million, with $230 million already drawn (46% utilization) [1] Bitcoin Holdings - MetaPlanet currently holds 30,823 BTC, sufficient to cover collateral requirements [1] Strategic Initiatives - The funds will be used to purchase additional Bitcoin [1] - The funds will be used to expand Bitcoin-based revenue operations [1] - The funds will be used to repurchase shares when market conditions allow [1]

Core Viewpoint - Farmers & Merchants Bancorp has declared a quarterly cash dividend of $5.05 per share, marking a total year-to-date cash dividend of $19.35 per share, which is a 6.9% increase from the previous year [1][2]. Financial Performance - For the trailing twelve months ending September 30, 2025, the company reported a net income of $91.6 million, up from $88.0 million the previous year [2]. - Diluted earnings per share for the same period totaled $130.83, reflecting a 10.4% increase compared to $118.46 a year earlier [2]. - The net income for the third quarter of 2025 was $23.7 million, or $33.92 per diluted common share, representing a 13.2% increase year-over-year [3]. Capital and Asset Quality - As of September 30, 2025, total assets were reported at $5.6 billion, with a non-accrual loans and leases amounting to $955,000, or 0.03% of total loans and leases [3]. - The allowance for credit losses on loans and leases stood at $76.0 million, or 2.10% of total loans and leases [3]. - The common equity tier 1 ratio was 14.26%, and the total risk-based capital ratio was 15.74%, both exceeding regulatory requirements for a "well-capitalized" classification [3]. Dividend Policy and Recognition - The company transitioned its dividend policy from semi-annual to quarterly payments starting in August 2025, with the latest dividend declaration marking the 90th consecutive year of cash dividends and the 60th consecutive year of dividend increases [4][6]. - Farmers & Merchants Bancorp is recognized as a "Dividend King," ranking 17th among only 55 publicly traded companies with a history of increasing dividends for 50 or more consecutive years [4][6]. Industry Recognition - In July 2025, Farmers & Merchants Bancorp was ranked the 3 best-performing bank in the nation across all asset categories by Bank Director's Magazine for 2024 [7]. - The bank has consistently received high rankings in various studies, including being named the 1 best-performing bank in 2022 and 2 in 2023 [7]. - F&M Bank was also recognized as one of "America's Best Banks" by Forbes Magazine and ranked 4th on S&P Global Market Intelligence's "Top 50 List of Best-Performing Community Banks" in 2023 [8][9].

Core Viewpoint - Bank First Corporation reported strong financial performance for the third quarter of 2025, with net income increasing to $18.0 million, or $1.83 per share, compared to $16.6 million, or $1.65 per share, in the same quarter of the previous year [1][7]. Financial Performance - For the nine months ended September 30, 2025, net income was $53.1 million, or $5.36 per share, up from $48.0 million, or $4.75 per share, for the same period in 2024 [1]. - Adjusted net income (non-GAAP) for the third quarter of 2025 was $18.8 million, or $1.91 per share, compared to $16.5 million, or $1.65 per share, in the prior-year third quarter [1]. - The annualized return on average assets was 1.64% for the third quarter of 2025 and 1.61% for the nine months ended September 30, 2025 [7]. Revenue and Expenses - Net interest income (NII) for the third quarter of 2025 was $38.3 million, an increase of $1.6 million from the previous quarter and $2.4 million from the third quarter of 2024 [3]. - Noninterest income was $6.0 million for the third quarter of 2025, compared to $4.9 million for both the prior quarter and the third quarter of 2024 [6]. - Noninterest expense totaled $21.1 million in the third quarter of 2025, up from $20.8 million in the prior quarter and $20.1 million in the third quarter of 2024 [9]. Loan and Deposit Growth - Total loans were $3.63 billion at September 30, 2025, up $112.5 million from December 31, 2024, and up $158.7 million from September 30, 2024, with an annualized growth rate of 5.5% during the third quarter of 2025 [10]. - Total deposits were $3.54 billion at September 30, 2025, down $122.3 million from seasonal highs at December 31, 2024, but up $54.0 million from September 30, 2024 [11]. Asset Quality - Nonperforming assets remained negligible at $13.9 million at September 30, 2025, with nonperforming assets to total assets at 0.31% [12]. Capital Position - Stockholders' equity totaled $628.1 million at September 30, 2025, a decrease of $11.6 million from the end of 2024 [13]. - The book value per common share was $63.87 at September 30, 2025, compared to $63.89 at December 31, 2024 [13]. Dividend Declaration - The Board of Directors approved a quarterly cash dividend of $0.45 per common share, payable on January 7, 2026 [14].

Core Viewpoint - First Western Financial, Inc. will release its financial results for the third quarter ended September 30, 2025, after market close on October 23, 2025 [1] Financial Results Announcement - The financial results will be discussed in a conference call scheduled for October 24, 2025, at 10:00 a.m. Mountain Time / 12:00 p.m. Eastern Time [2] - Analysts and investors are invited to participate in a question-and-answer session during the call [2] Conference Call Details - Participants must register for the conference call to receive the dial-in number and personalized PIN code [3] - The conference call will be accessible via a Telephone Access link and will also be webcast live on the investor relations website [4] Company Overview - First Western Financial, Inc. is a financial services holding company based in Denver, Colorado, with operations in multiple states including Colorado, Arizona, Wyoming, California, and Montana [5] - The company offers a comprehensive suite of wealth management services on a private trust bank platform, including deposit, loan, trust, wealth planning, and investment management products [5] - First Western's common stock is traded on the NASDAQ Global Select Market under the symbol "MYFW" [5]

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Financial Performance - Farmers & Merchants Bancorp reported record second quarter net income of $23.1 million, or $32.94 per diluted common share, representing a 5.9% increase from $21.8 million, or $29.39 per diluted common share, in the same quarter of 2024 [2][6] - Annualized return on average assets was 1.65% and return on average equity was 15.09% for the second quarter of 2025, compared to 1.58% and 15.33% for the same quarter in 2024 [2][6] - Net interest income for the quarter was $53.9 million, up 6.1% from $50.8 million in the second quarter of 2024, with a net interest margin of 4.07% [6][8] Dividend and Recognition - The Company declared a mid-year cash dividend of $9.30 per share, totaling $6.5 million, a 5.7% increase from the $8.80 per share dividend in 2024 [4] - Farmers & Merchants Bancorp has paid dividends for 90 consecutive years and increased dividends for 60 consecutive years, ranking 17th among "Dividend Kings" [4][14] - The Company was ranked the 3 best performing bank in the nation across all asset categories by Bank Director Magazine for 2024, following a 2 ranking in 2023 and 1 in 2022 [15] Balance Sheet and Capital - Total assets at quarter-end were $5.5 billion, with total deposits increasing by $61.2 million, or 1.3%, to $4.8 billion compared to December 31, 2024 [9][7] - The preliminary total risk-based capital ratio was 15.35% and the common equity tier 1 ratio was 13.87%, both exceeding regulatory requirements for "well-capitalized" banks [12] - The tangible book value per share increased by 9.7% to $835.33 compared to $761.62 as of June 30, 2024 [6][8] Credit Quality - The Company maintained solid credit quality with no non-accrual loans and a negligible delinquency ratio of 0.03% of total loans and leases [10] - The allowance for credit losses on loans and leases was $79.0 million, with a provision of $1.4 million recorded during the second quarter of 2025 [10][11]