| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q3'26 | October 20, 2026 | 8/12 | 3 medium, 1 low flags | 3 | 0 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q3'26 | Pending | CRE loan balances expected to see net growth by early 2027 The early-2027 balance-growth expectation remains in place. Transaction timing commentary does not establish a later deadline. |
| Q3'26 | Pending | Insight360 tool expected to go live by the end of the year Management says they are 'on track to deliver Insight 360' and gave a live demo, but did not restate a specific go-live date this quarter; unverified until actual launch is confirmed. |
| Q3'26 | Pending | Full year provision guidance of $80 to $95 million Revised to $80-$90 million, narrower range reflecting favorable year-to-date credit performance; favorable revision but still pending year-end. |
| Q3'26 | Pending | Full year non-interest income guide of $370 to $390 million Tightened to $370-$380 million this quarter, a downward revision to the top end ahead of year-end. |
| Q3'26 | Pending | Full year net interest income guidance of $1.485 billion to $1.515 billion Revised down to $1.485-$1.5 billion this quarter, a cut to the top end rather than a delivered outcome since the fiscal year has not ended. |
| Q3'26 | Delivered | Third quarter non-interest expense expected to be between $255 and $260 million Actual Q3 non-interest expense was $257 million, within the guided range. |
| Q3'26 | Delivered | Third quarter non-interest income level expected between $93 and $98 million Actual $93M met the bottom of the $93M-$98M range. Meeting the range is not a beat. |
| Q3'26 | Delivered | Third quarter net interest income projected between $375 and $385 million Actual Q3 NII was $377 million, landing within but near the low end of the guided range. |
Get free previews of our earnings-call research: the key changes, management scores, and questions worth investigating. Subscribe for full call sheets and deeper analysis.
Subscriptions are managed by Substack. If the form does not load, subscribe directly. Or follow the RSS feed.