Financial Performance - Equity Bancshares reported core net income of $175 million for Q2 2025[21] - Core earnings per share reached $099 in Q2 2025[21] - The company's net interest margin stood at 417% for Q2 2025[22] - Return on average tangible common equity (ROATCE) was 1264% for Q2 2025[22] - Tangible book value per share increased to $3217 in Q2 2025[6, 18, 19] Balance Sheet - Total assets amounted to $54 billion[6] - Gross loans totaled $36 billion[6, 21] - Total deposits reached $42 billion[6, 21] - The loan to deposit ratio was 850%[54] Capital Management - The company's TCE/TA ratio was 1063%[6] - CET 1 Capital Ratio was 1507%[6] - Total Risk-based Capital Ratio was 1684%[6]

Financial Performance - Net income reached $5.5 billion, or $1.60 per diluted common share, including a $253 million gain from acquiring the remaining interest in the merchant services joint venture[4] - Revenue totaled $20.8 billion, a 1% increase, with net interest income at $11.7 billion (down 2%) and noninterest income at $9.1 billion (up 4%)[4] - The effective income tax rate was 14.3%[4] - Return on Equity (ROE) was 12.8%, and Return on Tangible Common Equity (ROTCE) was 15.2%[4] Credit Quality - Provision for credit losses amounted to $1.0 billion[6] - Total net loan charge-offs were $1.0 billion, down $304 million, representing 0.44% of average loans (annualized)[6] - Allowance for credit losses for loans stood at $14.6 billion, a 1% decrease[6] Capital and Liquidity - The Common Equity Tier 1 (CET1) ratio was 11.1%[5] - The Liquidity Coverage Ratio (LCR) was 121%[5] - Total Loss Absorbing Capacity (TLAC) ratio was 24.4%[5] Loans and Deposits - Average loans were $916.7 billion, stable year-over-year[4] - Average deposits totaled $1.3 trillion, down 1%[4]

Financial Performance - Revenue increased by 9% year-over-year to $5.0 billion[5] - Expenses increased by 4% year-over-year to $3.2 billion[5] - Pre-tax margin increased by 3%-pts year-over-year to 37%[5] - EPS increased by 27% year-over-year[3] - ROTCE increased by 3.2%-pts year-over-year to 27.8%[5] Capital Allocation - Returned $1.2 billion to common shareholders, including $346 million in dividends and $895 million in share repurchases[5] - Declared a 13% increase in the quarterly common stock dividend in 3Q25[5] Business Segments - Securities Services total revenue increased by 10% year-over-year to $2.474 billion[20] - Market and Wealth Services total revenue increased by 13% year-over-year to $1.742 billion[24] - Investment and Wealth Management total revenue decreased by 2% year-over-year to $801 million[28] Capital and Liquidity - Tier 1 leverage ratio decreased by 17 bps quarter-over-quarter to 6.1%[12] - CET1 ratio remained flat quarter-over-quarter at 11.5%[12]

Financial Performance - The company reported net income of $2.9 million, with an adjusted net income of $40.8 million[7, 8] - A securities portfolio restructure resulted in a loss of $60 million[7, 9, 23] - Net interest margin (NIM) expanded by 13 bps to 3.68%[7] - Pre-Tax Pre-Provision Net Revenue was $(4.4) million, but adjusted PPNR reached $58.6 million[7] - The efficiency ratio was 105.7%, while the adjusted efficiency ratio was 56.9%[7] Balance Sheet & Credit Quality - Annualized loan held for investment (HFI) growth was 4.2%[7] - Annualized total deposit growth reached 7.2%[7] - ACL coverage ratio stood at 1.51%[7] - Net charge-offs returned to historical levels at an annualized rate of 0.02%[7, 56] - Nonperforming Assets (NPA) to Assets ratio increased by 8 basis points to 0.92%[7] Capital & M&A - Tangible Common Equity to Tangible Assets ratio was 10.4%[7] - CET 1 Ratio was 12.3% and Total Risk-Based Capital was 14.7% (preliminary)[7] - The merger with Southern States Bancshares, Inc closed on July 1, 2025, with conversion expected in 3Q25[7]

Financial Performance - Adjusted EBITDA reached $1.11 billion[2] - The company aims to deliver $1.5 billion in savings from FY25 to FY27[12] - Digital sales increased by 25%[2] - ID sales increased by 2.8%[2] - Adjusted EPS was $0.55[2] Strategic Initiatives - The company focuses on driving customer growth through digital engagement[4] - Building the media business to fuel reinvestment into the core business[6] - The company plans to open new demand channels[7] - The company plans to enhance the customer value proposition by amplifying Own Brands presence[8] - Partnering with strategic vendors to invest in price[10] - Modernizing capabilities with a "Technology-first focus" and leveraging AI to accelerate operations[12]

Financial Performance Highlights - Net income for 2Q25 reached $15 billion, resulting in an EPS of $5.24[2,4] - Excluding a significant item, net income was $14.2 billion, EPS was $4.96, and ROTCE was 20%[2,3,5] - Managed revenue totaled $45.7 billion[2,4] - Expenses amounted to $23.8 billion, with a managed overhead ratio of 52%[2,4] Balance Sheet Strength - CET1 capital stood at $284 billion[2,5] - Standardized CET1 capital ratio was 15.0%, while the Advanced CET1 capital ratio was 15.1%[2,5] - Average loans reached $1.4 trillion, up 5% year-over-year and 3% quarter-over-quarter[2] - Average deposits were $2.5 trillion, up 6% year-over-year and 3% quarter-over-quarter[2] - Cash and marketable securities totaled $1.5 trillion[2] Capital Distribution - Common dividend was $3.9 billion, or $1.40 per share[2] - Net common stock repurchases amounted to $7.1 billion[2] - Net payout LTM (Last Twelve Months) was 71%[2] Business Segment Performance - Consumer & Community Banking (CCB) reported net income of $5.2 billion, up 23% year-over-year, with revenue of $18.8 billion, up 6% year-over-year[10,16] - Commercial & Investment Bank (CIB) reported net income of $6.7 billion, up 13% year-over-year, with revenue of $19.5 billion, up 9% year-over-year[17,22] - Asset & Wealth Management (AWM) reported net income of $1.5 billion, up 17% year-over-year, with revenue of $5.8 billion, up 10% year-over-year[23,25] Outlook - The company expects FY2025 net interest income of approximately $95.5 billion, market dependent[30] - The company expects FY2025 net interest income excluding Markets of approximately $92 billion, market dependent[30] - The company expects FY2025 Card Services NCO rate of approximately 3.6%[30] - The company expects FY2025 adjusted expense of approximately $95.5 billion, market dependent[30]

Financial Performance - AngioDynamics' total Med Device revenue grew by 62% pro forma in Q4 2025[5,9] - AngioDynamics' total Med Tech revenue grew by 220% pro forma in Q4 2025[5,9] - AngioDynamics reported pro forma Adjusted EBITDA of $34 million in Q4 2025, a $19 million improvement from Q4 FY24[5] - AngioDynamics ended the quarter with $559 million in cash and cash equivalents, up from $448 million at Feb 28, 2025[5] - AngioDynamics' total Med Tech revenue grew by 195% pro forma for FY 2025[12] - AngioDynamics' total Med Device revenue grew by 08% pro forma for FY 2025[12] Product Line Performance - Auryon sales reached $156 million in Q4 2025, a 197% year-over-year growth[16] - Total Mechanical Thrombectomy sales were $113 million in Q4 2025, a 447% year-over-year growth[5,20] - NanoKnife disposables sales grew by 55% in Q4 2025, while total NanoKnife sales decreased by 25%[5,25] Future Outlook - AngioDynamics projects full-year net sales between $305 million and $310 million for Fiscal Year 2026[27]

Financial Performance - Assets Under Management (AUM) reached $12.5 trillion as of June 30, 2025[2] - Q2 2025 Base Fees and Securities Lending Revenue totaled $4.5 billion[2] - Q2 2025 Operating Income, as adjusted, was $2.099 billion[8] - Q2 2025 Net Income, as adjusted, was $1.883 billion[9] - Q2 2025 EPS, as adjusted, reached $12.05[9] Net Flows - Total BlackRock Retail Long-term net flows for Q2 2025 were $82 billion[5] - Institutional Long-term net flows for Q2 2025 were $(48) billion[5] - ETFs Long-term net flows for Q2 2025 were $85 billion[5] Revenue Breakdown - Base fees constitute 79% of the quarterly revenue[22] - Tech services & subscription revenue accounts for 9% of the quarterly revenue[22] - Securities lending revenue represents 2% of the quarterly revenue[22] Expense Breakdown - Employee compensation and benefits make up 50% of the quarterly expenses, as adjusted[33] - Sales, asset & account expenses account for 32% of the quarterly expenses, as adjusted[33] - General & administration expenses represent 18% of the quarterly expenses, as adjusted[33] Capital Management - Share repurchases for Q2 2025 amounted to $375 million[14] - Dividends per share for Q2 2025 were $5.21[16]

Financial Performance - The company's Q3 2025 revenue reached $20.4 million, a 10% increase compared to $18.5 million in Q3 2024[4] - Adjusted EBITDA margin for Q3 2025 was 37%, up from 30% in Q3 2024[4] - Diluted EPS for Q3 2025 was $(3.35), while adjusted diluted EPS was $0.45[4] - Trailing Twelve Months (TTM) revenue for Q3 2025 was $80.4 million, a 20% increase from $67.0 million in Q3 2024[5] - The company is guiding for total revenue between $76 million and $80 million for fiscal year 2025, representing a growth of 9% to 14%[38] Software Segment - Overall software revenue grew by 6% in Q3 2025 and 16% for TTM[7] - Pro-ficiencyTM software revenue contribution was below expectations[7] - TTM revenue for Pro-ficiencyTM was $4.4 million[7] Services Segment - Overall services revenue grew by 17% in Q3 2025 and 27% for TTM[10] - Total backlog for services was $20.7 million, with over 91% expected to be converted to revenue within 12 months[10] - TTM revenue for Med Comm services was $7.3 million[10]

Financial Performance - Second quarter net sales increased by 8.6%, primarily driven by improved customer contract signings over the past six quarters[6] - Earnings per share (EPS) for the second quarter improved 12.7% to $0.29, compared to $0.25 in the second quarter of the previous year[12] - The operating margin improved to 21.0% in the second quarter, up from 20.2% in the second quarter of the previous year[12] - Gross profit margin increased to 45.3% from 45.1% in the second quarter of the previous year, reflecting favorable price/cost dynamics and improved fastener sales margins[28] - Operating cash flow (OCF) for the second quarter was $278.6 million, representing 84.4% of net income[31] Customer Site Performance - The number of customer sites with sales over $10,000 per month grew by 6.7%, led by Onsite-like locations which increased by 12.4%[6] - Sites with sales over $10,000 per month accounted for 81.4% of net sales in the second quarter, up from 79.2% in the second quarter of the previous year[6] - Total manufacturing customer sites were 43,138 with sales of $1,575.4 million, while total non-manufacturing customer sites were 58,302 with sales of $504.9 million[7] Digital Footprint and Technology - Daily sales through eBusiness rose 13.5% in the second quarter[18] - Activity through the company's FMI (Fastenal Managed Inventory) technology platform represented 44.1% of sales in the second quarter, compared to 41.8% and 39.8% in the second quarter of the previous year and the year before, respectively[17] - Sales through the digital footprint (FMI technology plus non-FMI-related eBusiness) accounted for 61.0% of total sales in the second quarter, versus 59.4% and 55.3% in the second quarter of the previous year and the year before, respectively[18]