CBAN · CBAN Q2 FY2026 earnings call record财报电话会记录

“While we previously expected loan growth to track towards the lower end of our 8%-12% target, our commitment to disciplined pricing and strong underwriting standards means near-term growth could land slightly below our eight percent threshold.”

“Operating non-interest income increased by about $950,000 from the Q1, which was led by increased revenue from many of our business lines and operating non-interest expense declined more than $500,000.”

“Operating net income increased to $11 million in the Q1, and the operating pre-provision net revenue increased approximately $2.2 million to over $16 million in the quarter.”

“Earning asset yields continue to increase, driving margin higher quarter-over-quarter to 3.52% last quarter.”

“If our cost of funds remains stable on the liability side, we still have some upward repricing on the asset side that we will be able to capture to improve margin.”

“We've seen that ease some and remain optimistic for continued improvement and positive impact on both customer retention and acquisition.”

“We do expect that metric to increase again post legal close with First Reliance and then trend back towards our target later in 2027 after we complete systems conversion and customer integration.”

“This week, the board declared a quarterly cash dividend of $0.12 per share.”

“They reported operating EPS of $0.38, operating ROA of 1.10%, and operating earnings of $3.1 million, which is a meaningful improvement compared to the same period last year.”

“It's the group focused on treasury, merchant, card, any way commercial customers get money into their account from their customers and out of their account to pay their vendors and their employees.”

“As we put that group together, we found it's easier for our bankers to go calling on customers and prospects, have one point of contact internally, our advisors in that group are really looking to solve the problems that the customers are having and not just sell a product or service.”

“If we keep this stabilized funding cost kind of in line going forward, then we still have the opportunity to see an increase in margin, even if that 7.14% comes down a little bit.”