Verified call record已核验电话会记录 ·
EFSI · EFSI Q2 FY2026 earnings call record财报电话会记录
Verbatim, receipt-bound excerpts from the earnings-call transcript. This is a source record, not a synthesized analysis or recommendation.来自财报电话会文字记录的原文、可追溯摘录。这是来源记录，不是综合分析或推荐。
11 exact excerpts 条原文摘录
10 numeric receipts 个数值回执
B governed source tier 治理来源层级
Transcript present电话会文本已具备
Call language, kept intact.电话会表述，保持原貌。
The excerpts below are selected from the source record under the bounded evidence policy. Wording is not paraphrased; numbers remain the exact spans captured from the call.以下摘录按受限证据策略从来源记录中选出。文字未被改写；数字保持电话会中捕获的精确片段。
“Please refer to our most recent Form 10-K, our Q2 earnings release, and other filings with the SEC for a detailed discussion of risk factors.”
Nick Smith · CFO
claim_1ace8f8d3d32a37cd32d0cf2c75ecb77Exact numeric spans精确数值片段
10“Also, during the call, we will discuss certain non-GAAP financial measures in reference to the company's performance.”
Nick Smith · CFO
claim_21338c25c8d0ca4f9e839f6ee3e22b6e“The second quarter reflected both the opportunities and challenges within our franchise.”
Brandon Lorey · CEO
claim_7f01d6eede3392c960227ad132b450a2“Net interest income increased 6.7% from the first quarter, net interest margin expanded to 3.86%, representing a 23-basis point increase from the linked quarter and a 44-basis point increase from a year ago.”
Brandon Lorey · CEO
claim_ad8c62536ff3514ab1e009ad15a1f8b0Exact numeric spans精确数值片段
6.7%3.86%2344“Net loans increased $39.5 million during the quarter, driven by continued demand across several of our core lending categories, including construction, commercial real estate, and commercial and industrial lending.”
Brandon Lorey · CEO
claim_70f88553d2e8fb6f6d9d3d1a3771d8a1Exact numeric spans精确数值片段
39.5 million“Net interest margin expanded to 3.86% compared to 3.53% in the prior quarter.”
Kate Chappell · CFO
claim_f37287aa023f6880793107c9ca12d2d9Exact numeric spans精确数值片段
3.86%3.53%“We anticipate margin for the second half of 2026 to move to approximately 3.75%.”
Kate Chappell · CFO
claim_d5940775b0b12b55668680702e355721Exact numeric spans精确数值片段
20263.75“Importantly, we continue to view the current credit environment as one of concentrated challenges rather than broad deterioration across the portfolio.”
Joe Zmitrovich
claim_64860f641630a6f68bd0576342b7d9b2“While our results continue to reflect the impact of a limited number of identified credit relationships, the underlying direction of the franchise remains positive.”
Brandon Lorey · CEO
claim_5eb16aec59e3d139922f6a9629cf6eb8“We also remain open to strategic opportunities, including potential partnerships and acquisitions.”
Brandon Lorey · CEO
claim_677320b47388563df025b45369f2aeaa“We appreciate the continued support of our shareholders and look forward to updating you next quarter.”
Brandon Lorey · CEO
claim_d9020c947b2424770048a81a03fc2a37Inspect the source receipts检查来源回执21 bound spans个已绑定片段
Each row identifies the source body, transcript segment and byte span used to verify the visible text.每行标识用于核验可见文本的来源正文、电话会片段和字节范围。
| Claim主张 | Kind类型 | Segment片段 | Byte span字节范围 | Text hash文本哈希 |
|---|---|---|---|---|
claim_1ace8f8d3d32a37cd32d0cf2c75ecb77 | quote | 1 | 261–402 | e965b429d60006… |
claim_c42e6ca2ef6056d94eab631eea2270d9 | numeric | 1 | 298–300 | 4a44dc15364204… |
claim_21338c25c8d0ca4f9e839f6ee3e22b6e | quote | 1 | 535–652 | 2721e30da2314f… |
claim_7f01d6eede3392c960227ad132b450a2 | quote | 3 | 479–567 | e3ce808a20a415… |
claim_ad8c62536ff3514ab1e009ad15a1f8b0 | quote | 4 | 0–207 | 77e6750ae82503… |
claim_e5a9247ca7312bae6bb31c79ac9c06b8 | numeric | 4 | 30–34 | b881417d9d4440… |
claim_4166bf830b68aec0c204acb2684fe3a2 | numeric | 4 | 91–96 | 35703950ba7a39… |
claim_28967fc03902494bc8fe5506604fcfee | numeric | 4 | 113–115 | 535fa30d7e25dd… |
claim_bb971a1c4092a66ec1addfa4ee363742 | numeric | 4 | 167–169 | 71ee45a3c0db9a… |
claim_70f88553d2e8fb6f6d9d3d1a3771d8a1 | quote | 4 | 412–626 | a9c58b4e844990… |
claim_1b91ae5babad654a3cc09c55cffbe29f | numeric | 4 | 433–445 | a7faa66380bb0e… |
claim_f37287aa023f6880793107c9ca12d2d9 | quote | 6 | 421–498 | 2157feb89e8619… |
claim_0e6a5d51a4649fddb997a7d898e2dece | numeric | 6 | 453–458 | 35703950ba7a39… |
claim_adfb7e85458034b9584d56f97dd29195 | numeric | 6 | 471–476 | 93ca89fed5fa55… |
claim_d5940775b0b12b55668680702e355721 | quote | 6 | 832–912 | b55f393e37bb4a… |
claim_a4b5c8dc87f67bacd014a1416a123ee8 | numeric | 6 | 876–880 | 158a323a7ba448… |
claim_9a95cbb2ffb1c4e37f8f1d32ac3f892b | numeric | 6 | 906–910 | c02a87b566e653… |
claim_64860f641630a6f68bd0576342b7d9b2 | quote | 10 | 113–264 | 445a281d49c6da… |
claim_5eb16aec59e3d139922f6a9629cf6eb8 | quote | 11 | 82–246 | 43b2c03a40f0de… |
claim_677320b47388563df025b45369f2aeaa | quote | 11 | 459–557 | 4fa001fb947569… |
claim_d9020c947b2424770048a81a03fc2a37 | quote | 11 | 694–796 | 849922316aaf69… |