Comerica(US:CMA)2025-06-11 14:15Financial Performance & Strategy - Comerica's strategic revenue investments are designed to drive sustainable revenue growth and compelling returns over time[4,5] - The company is focused on leveraging its strong foundation, executing a differentiated strategy, and driving responsible growth[3] - Comerica aims to maximize deposit balances through tailored SLAs and hands-on executive management, creating a "small bank touch" service model[7,8] - The company is making targeted investments in people and products to achieve scalability and growth, with a focus on faster payments, treasury APIs, and fintech partnerships[9,10] Loan & Deposit Trends - As of May 31, 2025, average loans were trending up with approximately $200 million increase quarter-to-date[22] - The company's loan portfolio as of 1Q25 period-end was $49.9 billion, with 57% fixed rate and 33% floating rate[47] - Average deposits decreased by approximately $0.6 billion quarter-to-date as of May 31, 2025, compared to 1Q25 average[34] - Noninterest-bearing deposits represented 38% of total average deposits in 1Q25[24,68] Capital & Liquidity - The company's CET1 ratio was 12.05% in 1Q25, exceeding the strategic target[37,39] - Comerica has a total liquidity capacity of $42.5 billion as of March 31, 2025[38,71] BSBY Cessation Impacts - The cessation of BSBY is projected to have a $83.5 million positive impact on pre-tax income in FY25[110]