Verified call record已核验电话会记录 ·

FFBC · First Financial Bancorp 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。

Open ticker dossier打开个股档案FFBC
12 exact excerpts 条原文摘录 18 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
The record记录内容

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。

performancecapital_allocationq_and_a
4
“These adjusted earnings per share represent an 8% increase over the second quarter of 2025, they were driven by increases in earning assets from a combination of organic loan growth and our recent acquisitions.”
Archie Brown · CEOclaim_286a4fb16dffead09b3f68e1d20e153b
Exact numeric spans精确数值片段8%2025
marginsq_and_a
4
“Our net interest margin was stable at approximately 4% as lower funding costs offset a decline in loan accretion income.”
Archie Brown · CEOclaim_ffb12ef16d6ea7396fd2f7254e5ffb03
Exact numeric spans精确数值片段4%
capital_allocationq_and_a
6
“No shares were repurchased during the quarter as we focus on integrating recent acquisitions and preparing for the acquisition of Finward.”
Archie Brown · CEOclaim_fd92022bb7980955d8341fb3c2deb6b5
performancemarginsq_and_a
7
“The second quarter was another outstanding quarter, highlighted by strong earnings, 7% loan growth, a solid net interest margin, and positive credit trends.”
Jamie Anderson · CFOclaim_f39276aa922071eb1a5140b47d213cb4
Exact numeric spans精确数值片段7%
capital_allocationrisksq_and_a
9
“Non-interest expense adjustments exclude the impact of acquisition costs, tax credit, investment amortization, and other expenses not expected to recur.”
Jamie Anderson · CFOclaim_511e534a71b49db7b1d41a3b5795982e
performancemarginsq_and_a
9
“Turning to slides 11 and 12, net interest margin decreased one basis point from the linked quarter to 3.98%.”
Jamie Anderson · CFOclaim_3bfac3766f63b7f7ea5c31a4f003d6e0
Exact numeric spans精确数值片段11123.98
marginsrisksq_and_a
10
“The core margin remains very strong, with a slight decline from the linked quarter driven by a five basis point decline in loan accretion, which was impacted by low prepayment rates on our acquired mortgage loans.”
Jamie Anderson · CFOclaim_8023640e3a8618b546229f48663983e7
guidancemarginsq_and_a
14
“Our net interest margin remains among the highest in the peer group, and we expect it will hold steady in a 3.96%-4.01% range over the next quarter.”
Archie Brown · CEOclaim_36142635b3d73d3ed0796e991b938009
Exact numeric spans精确数值片段3.96%-4.01%
guidanceperformanceq_and_a
15
“On fee income, we expect foreign exchange and investment banking income to rebound and total fee income to be between $74 million and $77 million in the third quarter, which includes $15 million-$17 million for foreign exchange and $22 million-$24 million for leasing business revenue.”
Archie Brown · CEOclaim_5a351f61da99d6837dc2ad6964038ae4
Exact numeric spans精确数值片段74 million77 million15 million17 million22 million24 million
capital_allocationmanagement_commitmentsq_and_a
17
“Including our recent acquisition of BankFinancial, we will have added $2.9 billion in lower cost deposits to our legacy operation in Northwest Indiana and have a total of $4.1 billion in deposits in Chicago and Northwest Indiana.”
Archie Brown · CEOclaim_8c1a534faec98fe9a9b051ea1698ea3e
Exact numeric spans精确数值片段2.9 billion4.1 billion
guidanceperformancecapital_allocationrisksq_and_a
18
“Through these two acquisitions, we expect to add approximately 8% in earnings per share accretion with no impact to tangible book value.”
Archie Brown · CEOclaim_c3d0fa946932301ac074c53b499e6171
Exact numeric spans精确数值片段8%
marginsrisksq_and_a
65
“A lot of your peers are kind of starting to point to new production being below the existing book and creating some margin pressure.”
Brian Foranclaim_a61d22266e9740fda4c19bae7b032598
Inspect the source receipts检查来源回执30 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。
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