| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q3'26 | October 19, 2026 | 9/12 | 3 medium, 1 low flags | 0 | 1 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q3'26 | Pending | Target to stay below 20% on effective tax rate This is a full-year target, period not yet ended. Q3 effective tax rate came in at 17.20%, tracking below the 20% target so far, but full-year result is not yet determinable from this call. |
| Q3'26 | Mixed | Expect to continue aggressive repricing on fixed rate loans as they mature and disciplined pricing on deposits which will continue our margin expansion Reported margin was flat at 3.63%. Management estimates five basis points of improvement after excluding Q2's one-time recovery; preserve that adjusted basis. |
| Q3'26 | Missed | Non-interest expense run rate of approximately $50 million per quarter going forward Q3 expense of $52.2M exceeded the prior roughly $50M run rate. Management attributed about $2M to nonrecurring costs and now expects a $50M-$51M quarterly run rate. |
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