Record 92,863 Ft. August 13, 2001 Fourth Quarter Report January 20, 2026, Live @ 1:00PM ET 1 Forward Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, about us and our industry that involve substantial risks and uncertainties. Forward-looking statements generally relate to future events or our future financial or operating performance. In som ...

Q4 Earnings Conference Call January 20, 2026 Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Legal Disclaimers This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are based on management's beliefs, assumptions, current expectations, estimates and projections about BOK Financial Corporation, the financial services industry, and the economy generally. Words such as "anticipates," "believes," "e ...

FORWARD-LOOKING STATEMENTS Factors that may cause the actual results to be materially different from the future results expressed by the forward-looking statements include, but are not limited to: the effect of D.R. Horton's controlling level of ownership on us and the holders of our securities; our ability to realize the potential benefits of the strategic relationship with D.R. Horton; the effect of our strategic relationship with D.R. Horton on our ability to maintain relationships with our customers; th ...

Fourth Quarter 2025 Earnings Conference Call January 20, 2026 Safe Harbor Statement Statements in this presentation which are not historical facts are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995. These forward-looking statements may include discussions of the strategic plans and objectives or anticipated future performance and ...

Introduction Josh Disbrow Co-Founder & Chief Executive Officer Forward Looking Statements EXXUA™ Launch Aytu BioPharma Investor Day January 20, 2026 Actor portrayals. This presentation includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended ("Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended ("Exchange Act"). All statements other than statements of historical facts contained in this presentation, are forward-looking s ...

Financial Performance & Profitability - EPS grew by 11% year-over-year, reaching $5.47 in 2025 compared to $4.93 in 2024[11] - ROAA was 1.4% and ROAE was 14.1% in 2025[11] - Total deposits increased by 12%, with 2% growth excluding deposits gained from the acquisition[11] - Net interest margin was 3.47% in 2025, slightly down from 3.58% in 2024[11] Loan Portfolio & Asset Quality - Commercial loans increased by 6% including the acquisition, and 2% excluding it[11] - Nonperforming assets to total assets ratio stood at 0.12% at the end of 2025[11] - Net loan charge-offs to average loans were 0.04% in 2025[11] - Floating Rate Commercial Loans accounted for $3,046.8 million, while Fixed Rate Commercial Loans were $871.9 million[108] Capitalization & Shareholder Value - CET1 capital ratio was 11.0% at the end of 2025, up from 10.7% at the end of 2024[11] - Tangible book value per share was $36.78 at the end of 2025, compared to $33.14 at the end of 2024[11] Acquisition & Strategic Initiatives - The acquisition of Eastern Michigan Financial Corporation closed on December 31, 2025[25] - The loan-to-deposit ratio decreased to 91% at YE 2025 from 98% at YE 2024[11,26]

2025 Fourth Quarter Investor Teleconference January 20, 2026 1 Safe Harbor Statement All statements made herein that are not historical facts (e.g., future operating results, net sales growth, long-term share gains, and business activity, as well as expectations regarding operations, including gross and operating income margin, eBusiness DSR sales growth, weighted FMI technology signings, operating costs (including SG&A), capital expenditures, sales through our digital footprint, cash flow generation, our a ...

4Q25 Earnings Presentation Management does not provide a reconciliation for forward-looking non-GAAP financial measures where it is unable to provide a meaningful or accurate calculation or estimation of reconciling items and the information is not available without unreasonable effort. This is due to the inherent difficulty of forecasting the occurrence and the financial impact of various items that have not yet occurred, are out of the Bancorp's control or cannot be reasonably predicted. For the same reas ...

J a n u a r y 2 0 , 2 0 2 6 U.S. Bancorp 4Q25 Earnings Conference Call ©2025 U.S. Bank | Confidential 1 Forward-looking Statements and Additional Information The following information appears in accordance with the Private Securities Litigation Reform Act of 1995: This presentation contains forward-looking statements about U.S. Bancorp. Statements that are not historical or current facts, including statements about beliefs and expectations, are forward-looking statements and are based on the information ava ...

2025 Fourth Quarter Earnings (unaudited) Bill Brown Anurag Maheshwari Chief Financial Officer Chinmay Trivedi Senior Vice President, Investor Relations and Financial Planning & Analysis Chairman and CEO Forward-looking statements This document contains forward-looking statements. You can identify these statements by the use of words such as "plan," "expect," "aim," "believe," "project," "target," "anticipate," "intend," "estimate," "will," "should," "could," "would," "forecast," "future," "outlook," "guidan ...