2025-10-16 12:30Financial Performance - Net interest income increased by 3% QoQ and 8% YoY to $474695 thousand [11] - Non-interest revenue increased by 5% QoQ and 13% YoY to $140697 thousand [11] - Total revenue increased by 4% QoQ and 9% YoY to $615392 thousand [11] - Adjusted total revenue (TE) increased by 4% QoQ and 9% YoY to $612794 thousand [11] - Adjusted non-interest expense increased by 3% QoQ and 6% YoY to $320216 thousand [11] - Adjusted diluted EPS decreased by 1% QoQ but increased by 19% YoY to $146 [11] - Loans remained flat QoQ and increased by 1% YoY to $43753 million [13] - Deposits remained flat QoQ and YoY at $50004 million [13] Credit Quality & Capital - NCOs/Average Loans was 014% [13] - NPLs/Loans was 048% [13] - Allowance for Credit Losses % was 119% [13] - CET1 Ratio was 1124% [13] Merger with Pinnacle Financial Partners - The merger is expected to result in 21% EPS accretion in 2027E [30] - TBV dilution earnback is projected to be 26 years [30]