Financial Data and Key Metrics Changes - The company reported a net interest margin (NIM) of 4.1% in Q4 2025, an increase of 22 basis points from the previous quarter [10] - Net interest income for Q4 was $85.3 million, up more than 10% quarter-over-quarter and nearly 20% year-over-year [11] - The diluted EPS for the quarter was $2.77, with non-core credits impacting earnings by approximately $0.30 per share [12] Business Line Data and Key Metrics Changes - The loan portfolio expanded by approximately $775 million in 2025, representing a growth of nearly 13% [3] - Total loan originations for the year reached approximately $1.9 billion [3] - In Q4, total loan originations and draws were approximately $599 million, with a weighted average coupon of 7.28% [8] Market Data and Key Metrics Changes - Deposits increased by roughly $1.4 billion, or about 23%, for the year [4] - In Q4, deposits grew by $304 million, or approximately 4.3% [9] - The cost of interest-bearing deposits declined by 43 basis points quarter-over-quarter [9] Company Strategy and Development Direction - The company aims to capture additional market share through traditional channels while enhancing long-term shareholder value [5] - New branches are planned in Florida and New Jersey to strengthen market presence [4] - The strategy includes managing asset quality, optimizing profitability, and expanding in New York and complementary markets [5] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the stability of asset quality, with no broad-based negative trends observed [4] - The company anticipates modest NIM expansion in 2026, with a forecasted annual NIM of about 4.10% [16] - The outlook for non-interest income suggests a growth assumption of 5%-10% [17] Other Important Information - The effective tax rate for the quarter was about 30% [15] - The company plans to host an Investor Day on March 3rd, 2026, to discuss further developments [19] Q&A Session Summary Question: Loan mix and C&I growth - Management indicated that core C&I growth is not expected to be substantial, with a focus on healthcare-related C&I [21][23] Question: Asset quality and NPAs - Management reported that two loans in the multifamily sector are expected to have little or no loss upon sale, with ongoing workouts for specific reserves [29][30] Question: CET1 ratio targets - The CET1 ratio is currently about 10.7%, with expectations to trend towards low nines as the balance sheet grows [31][32] Question: Digital transformation completion - The digital transformation is anticipated to be completed by President's Day weekend, with expenses expected to finalize at that time [37][39] Question: Demand deposit growth contributors - The largest contributors to demand deposit growth were municipal deposits and property managers, with a broad distribution across various sectors [42] Question: M&A opportunities - Management does not see significant value in current M&A opportunities and will focus on organic growth instead [44] Question: Team lift-out strategy - Management indicated that team lift-outs are unlikely, preferring to acquire talent within existing markets [47]

Dr. Reddy’s Laboratories (NYSE:RDY) Q3 2026 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsAishwarya Sitharam - Head of Investor RelationsVivek Agrawal - DirectorErez Israeli - CEOBino Pathiparampil - Head of Equity ResearchAbdul Qadir - Deputy ManagerSurya Patra - Senior VPM V Narasimham - CFOConference Call ParticipantsDamayanti Kerai - AnalystShashank Krishnakumar - Senior Research AnalystTushar Manudhane - Research AnalystForam Parekh - AnalystKunal Lakhan - Senior Research AnalystMadhav ...

BankUnited (NYSE:BKU) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsJim Mackey - CFOJared Shaw - Managing DirectorMichael Rose - Managing Director of Equity ResearchRaj Singh - Chairman, President, and CEOWoody Lay - VPTom Cornish - COOJacqueline Bravo - Corporate SecretaryConference Call ParticipantsDavid Bishop - Director and Senior Equity Research AnalystJon Arfstrom - Equity Research AnalystOperatorGood day and welcome to the BankUnited's Susan Wright Greenfield 4th Quarter and ...

BankUnited (NYSE:BKU) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsJim Mackey - CFOJared Shaw - Managing DirectorMichael Rose - Managing Director of Equity ResearchRaj Singh - Chairman, President, and CEOWoody Lay - VPTom Cornish - COOJacqueline Bravo - Corporate SecretaryConference Call ParticipantsDavid Bishop - Director and Senior Equity Research AnalystJon Arfstrom - Equity Research AnalystOperatorGood day and welcome to the BankUnited Inc 4th Quarter and Fiscal Year 2025 Resul ...

Halliburton Company (NYSE:HAL) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsNeil Mehta - Managing DirectorJeff Miller - Chairman, President and CEOJames West - Managing DirectorEric Carre - EVP and CFODavid Coleman - SVP of Investor RelationsStephen Gengaro - Managing DirectorConference Call ParticipantsSaurabh Pant - Energy Equity Research AnalystJ. David Anderson - Senior Equity AnalystArun Jayaram - Research AnalystMarc Bianchi - Equity Research AnalystScott Gruber - Managing Di ...

Financial Data and Key Metrics Changes - The meeting discussed the election of directors, ratification of Ernst & Young as the independent registered public accounting firm for fiscal year 2026, and approval of executive compensation on an advisory basis [8][21] - A total of 55,791,582 shares of Class A common stock were outstanding as of the record date [4] Business Line Data and Key Metrics Changes - No specific business line data or key metrics were provided in the meeting [0] Market Data and Key Metrics Changes - No specific market data or key metrics were provided in the meeting [0] Company Strategy and Development Direction - The company aims to maintain good corporate governance practices by submitting the appointment of Ernst & Young for ratification, despite it not being required [13] - The company plans to increase the number of shares available under the Associate Stock Purchase Plan by 300,000 shares and extend the plan's term for an additional five years [17] Management Comments on Operating Environment and Future Outlook - Management did not provide specific comments on the operating environment or future outlook during this meeting [0] Other Important Information - The meeting was held virtually, allowing shareholders to vote online and submit questions [1][19] - The inspector of elections reported that a majority of votes were cast in favor of all proposals presented [21] Q&A Session Summary - There were no questions submitted by shareholders during the Q&A session [19][20]

Ally Financial (NYSE:ALLY) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsRyan Nash - Managing DirectorRussell Hutchinson - CFOJeffrey Adelson - Executive DirectorMichael G. Rhodes - CEOSean Leary - Chief Financial Planning and Investor Relations OfficerConference Call ParticipantsMoshe Orenbuch - Managing Director and Senior AnalystSanjay Sakhrani - Managing Director and Senior AnalystRobert Wildhack - Director, Equity Research AnalystMark DeVries - Director, Senior Research Analyst ...

Metropolitan Bank (NYSE:MCB) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsDavid Konrad - Managing DirectorFeddie Strickland - Director in Equity ResearchMark R. DeFazio - President and CEODaniel F. Dougherty - EVP and CFOConference Call ParticipantsMark Fitzgibbon - AnalystOperatorWelcome to Metropolitan Commercial Bank Q4 2025 earnings call. Hosting the call today from Metropolitan Commercial Bank are Mark DeFazio, President and Chief Executive Officer, and Daniel Dougherty, Execu ...

The Travelers Companies (NYSE:TRV) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsJeff Klenk - President of Bond and Specialty InsuranceMichael Klein - President of Personal InsuranceRyan Tunis - Managing DirectorMeyer Shields - Managing DirectorC Gregory Peters - Managing DirectorAlan Schnitzer - Chairman and CEOAbbe Goldstein - Senior VP of Investor RelationsDan Frey - CFOGreg Toczydlowski - President of Business InsuranceBrian Meredith - Managing DirectorKatherine Sakys - Director ...

Ally Financial (NYSE:ALLY) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsRyan Nash - Managing DirectorRussell Hutchinson - CFOJeffrey Adelson - Executive DirectorMichael G. Rhodes - CEOSean Leary - Chief Financial Planning and Investor Relations OfficerConference Call ParticipantsMoshe Orenbuch - Managing Director and Senior AnalystSanjay Sakhrani - Managing Director and Senior AnalystRobert Wildhack - Director, Equity Research AnalystMark DeVries - Director, Senior Research Analyst ...