| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q2'26 | July 15, 2026 | 9/12 | 1 high, 3 medium, 2 low flags | 4 | 0 | Call sheet → |
| Q1'26 | April 15, 2026 | 10/12 | 4 medium, 3 low flags | 4 | 1 | Call sheet → |
| Q4'25 | January 16, 2026 | 11/12 | 1 medium, 5 low flags | 6 | 1 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q2'26 | Delivered | CRE to reach inflection point in 2026 Q2 showed first growth in multiple quarters, $690M increase |
| Q2'26 | Pending | $350M cost saves in 2026 Claim to be on track but no specific progress disclosed |
| Q2'26 | Pending | FirstBank conversion mid-June On track per management, no red flags |
| Q2'26 | Exceeded | Q2 fee income up 2.5% Delivered 10% growth, 4x the guidance |
| Q2'26 | Exceeded | Q2 loan growth of 2-3% Delivered 4% linked quarter growth, nearly double the high end |
| Q2'26 | Exceeded | Full year loan growth of 11% Raised to 12.5% on Q2 strength, meaningfully ahead of plan |
| Q2'26 | Pending | Expect to go above 3% NIM in second half of 2026 At 2.96% now, technically on track but timeline pushed to 'end of year' from 'second half' |
| Q1'26 | Pending | FirstBank $1 per share contribution by end 2026 Integration on track for mid-June conversion |
| Q1'26 | Pending | 6% noninterest income growth for 2026 13% YoY fee growth in Q1 suggests tracking well |
| Q1'26 | Exceeded | CRE inflection point in 2026 Reached inflection in Q1, ahead of expectations |
| Q1'26 | Delivered | $600-700M quarterly buybacks Q1 $700M at high end of promised range |
| Q1'26 | Missed | Two Fed rate cuts in July and September Completely reversed to expecting no cuts in 2026 |
| Q1'26 | Delivered | 14% NII growth for 2026 Q1 +6% QoQ NII growth tracks to full-year guidance |
| Q1'26 | Exceeded | 8% average loan growth for 2026 Q1 delivered 7% QoQ, putting them ahead of pace for full-year target |
| Q4'25 | Exceeded | $350M cost savings through 2025 CIP program Successfully completed actions to exceed that goal |
| Q4'25 | Delivered | CET1 impact of ~40bps from FirstBank deal Exactly as guided, deal metrics all at or better than announcement |
| Q4'25 | Delivered | Net charge-offs $200-225M in Q4 $162M came in below the range, credit quality better than expected |
| Q4'25 | Delivered | Noninterest expense up 1-2% in Q4 Came in at 4% but explained by higher business activity and seasonality |
| Q4'25 | Exceeded | Total revenue to be stable to down 1% in Q4 Revenue grew 3% QoQ, another conservative guide beaten |
| Q4'25 | Missed | Fee income to be down approximately 3% in Q4 2025 Fee income grew 3% instead of declining, driven by capital markets strength |
| Q4'25 | Exceeded | NII to be up approximately 1.5% for full year 2025 Delivered 6.5% growth, nearly 4x the guidance-major sandbagging |
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