| Metric | Q3'25 | Q4'25 | Change |
|---|---|---|---|
| Diluted EPS | $4.80 (vs $4.24 prior year) | $4.67 (vs $4.61 prior year) | Down 13 cents sequentially, up 6 cents YoY |
| Net Interest Income (TE) | $1.77B (+$51M QoQ) | $1.79B (+$17M QoQ) | Growth momentum slowing, only 1% sequential growth |
| Net Interest Margin | 3.68% (+6 bps QoQ) | 3.69% (+1 bp QoQ) | Expansion stalling after strong Q3 momentum |
| Total Loans (Average) | $136.5B (+$1.1B QoQ) | $137.6B (+$1.1B QoQ) | Steady $1.1B quarterly growth maintained |
| Commercial Loans | $61.7B (+$700M QoQ) | $62.2B (+$500M QoQ) | Growth slowing to $500M from $700M |
| CRE Loans | $24.3B (-4% QoQ) | $24.1B (-1% QoQ) | Decline moderating, December production $900M |
| Non-Interest Income | $752M (vs $683M prior) | $696M (vs $628M prior) | Down $56M sequentially despite record year |
| Fee Income (ex-notables) | ~$724M estimated | ~$668M estimated | Sequential decline after record Q3 |
| Net Charge-offs | 42 bps ($146M) | 54 bps ($185M) | 12 bps increase, driven by 3 identified credits >$100M |
| Non-accrual Loans | $1.56B (1.1% ratio) | $1.3B (0.90% ratio) | Down $260M, ratio improvement of 20 bps |
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