| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q3'26 | October 20, 2026 | 8/12 | 1 medium, 2 low flags | 4 | 0 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q3'26 | Delivered | NIM target '350 plus or minus a few bps' Q3 fully taxable-equivalent NIM was 3.51%, consistent with the approximately 3.50% outlook. |
| Q3'26 | Pending | Loan/deposit growth target 'mid to high single digits' for Q3/Q4 Each Q3 growth rate was approximately 8%, consistent with the range. Q4 is not complete. |
| Q3'26 | Pending | CET1 'ratio will go up in the third and fourth quarters' Estimated CET1 rose to 10.5% in Q3 from 10.4% in Q2 in the SEC presentation. The Q4 component remains pending. |
| Q3'26 | Delivered | Mortgage revenues expected to 'fall back into the low $20 million range' The issuer release reports mortgage banking revenue of $25.5M. The call-only omission is not missing company disclosure; the qualitative low-$20M expectation was exceeded. |
| Q3'26 | Delivered | Premium finance back-book repricing drag 'probably a basis point or two next quarter on that' then done Management confirmed the one basis point impact was isolated to Q3 and 'we should be done in the third quarter'. |
| Q3'26 | Delivered | Expense guidance 'say 405 plus or minus is probably a good range' for Q3 Actual expense of $405.7M was close to the approximately $405M guide. |
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