BANR · Banner Corporation Q2 FY2026 earnings call record财报电话会记录

“Non-performing loans total $54.8 million, the majority of which are 1-4 family or other consumer-related credits that often involve protracted resolution timelines.”

“Loan originations increased 45% when compared to the linked quarter, with commercial originations up 85%, construction up 73%, and consumer up 55% respectively.”

“The primary drivers of loan growth in the quarter were C&I, up $152 million, consumer loans up $62 million, and owner-occupied real estate up $54 million.”

“While these headwinds continue, Banner's Super Community Bank delivery model and disciplined credit culture have enabled us to strengthen existing relationships, grow new business, and maintain our moderate risk profile.”

“Net interest income increased $3.6 million from the prior quarter due to a combination of a 2-basis-point increase in the tax equivalent net interest margin and average earning assets increasing $129 million.”

“The tax equivalent net interest margin was 4.13% compared to 4.11% in the prior quarter.”

“Going forward, I would expect probably through the end of the year, we might see 1-2 basis points of increase quarter-over-quarter.”

“If you had the spot rate on deposits at the end of the quarter on June 30, maybe the monthly NIM margin in the month of June and your thoughts on deposit costs going forward, assuming the Fed's on hold.”

“Even looking at history as the driver, third quarter will probably come down a little bit in originations and loan growth, yet we still expect to end the full year at that mid-single-digit growth rate.”

“Are customers looking for higher rates with maybe some rate hike anticipations?”

“I'm just curious whether you believe this was a function of improving demand as customers get more used to the operating environment, or is it rather just getting more out of your producers?”

“It's the consumer segment, mortgage, home equity, all of that has been impacted by this higher rate environment for this elongated time period and the strain that they're experiencing.”