| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q3'26 | October 20, 2026 | 8/12 | 2 medium, 1 low flags | 1 | 0 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q3'26 | Pending | Hiring benefits expected to build over time The current call specifies Q4 and 2027. The prior 'over time' wording had no fixed deadline, so this is not evidence of a delay. |
| Q3'26 | Pending | Fee income guidance lower half of $820-845 million range Year not ended. More than $800M is a lower stated threshold with no upper limit, not a precise point estimate. |
| Q3'26 | Pending | NII guidance upper half of $1.42-1.45 billion range Year not ended. The new $1.43B-$1.44B range overlaps the prior implied $1.435B-$1.45B upper half, with a lower midpoint. |
| Q3'26 | Pending | FY2026 efficiency ratio approximately 62% (63% ex-Visa gain) Period not ended; reaffirmed unchanged this quarter. |
| Q3'26 | Pending | FY2026 expense growth guidance low single digits, toward lower end Period not ended; tightened this quarter to 'roughly 1%', a favorable revision. |
| Q3'26 | Pending | FY2026 provision expense guidance below $20 million Period not ended; revised (cut) to below $10 million this quarter, a favorable revision but not yet a final-year result. |
| Q3'26 | Pending | FY2026 loan growth guidance raised to over 10% Period not ended; reaffirmed unchanged this quarter at 'over 10%', tracking with 11.5% YoY growth. |
| Q3'26 | Exceeded | Mortgage warehouse goal of $1 billion in commitments by year end Already at $1.4 billion in active warehouse commitments by Q3, well ahead of the year-end target. |
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