Verified call record已核验电话会记录 ·

HBNC · HORIZON 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。

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12 exact excerpts 条原文摘录 12 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。

risks
3
“These results advance our capital levels with CET1 of 11.09% and total risk-based capital of 15.01% at the end of the quarter.”
Thomas Prame · CEOclaim_b47ee9b6f7c72a6ca3e5fb638bead7e4
Exact numeric spans精确数值片段11.09%15.01%
performancerisks
3
“As we impact the H1 of 2026 performance, we are pleased with our practical approach to balance sheet growth with year-to-date deposit growth of approximately 5% annualized, coupled with quality lending growth of approximately 4% annualized, led by a strong commercial loan performance of 5.7% annualized in the Q2.”
Thomas Prame · CEOclaim_03ba70f934255f0ec2da1508969509d5
Exact numeric spans精确数值片段20265%4%5.7%
guidanceperformancemargins
4
“These results align well with our full-year expectations and display our disciplined approach to growth on both sides of the balance sheet while maintaining the consistency in our net interest margin performance throughout the year.”
Thomas Prame · CEOclaim_03730e6e480bbd8dadcf27a0c30d24c0
performancemarginsmanagement_commitments
12
“These activities have produced solid year-to-date performances on both sides of the balance sheet, and we remain committed to this parallel strategy of growth and margin management as we approach the H2 of 2026.”
Thomas Prame · CEOclaim_de29ea3acac9521ed70e2c3cddf9d1b3
marginsrisks
13
“As we have said all year, the movement of average cash quarter to quarter has the potential to impact the net interest margin percentage but has little impact on net interest income dollars.”
John Stewart · CEOclaim_0bb015c02c0fb526c6c7da0933a1e963
guidanceperformancemargins
15
“Therefore, marginal growth in loan and deposits should be generally supportive of our net interest margin and net interest income outlook.”
John Stewart · CEOclaim_b5ef2e99587f24a08a2a886b1990e210
guidancemargins
15
“The result is that we anticipate the margin percentage to be in the range of 4.3%-4.35% over the H2 of the year.”
John Stewart · CEOclaim_83f28867f95ceaf5051568ec6ecff500
Exact numeric spans精确数值片段4.3%-4.35%
performancerisks
17
“While the aforementioned legal charge modestly impacted the growth in capital ratios, Q2 results drove another nice sequential increase, with CET1 up 28 basis points to 11.09%.”
John Stewart · CEOclaim_f04ed3bafdc4facbc35e71b6b4633493
Exact numeric spans精确数值片段2811.09
marginsq_and_a
26
“It sounds like that the funding cost might get to kind of creep up a little bit, which could ultimately weigh on the margin from the Q2 level of 437 if you're guiding towards 430-435.”
Damon DelMonteclaim_59ffcdae9e2bab9973a37843295cbc6e
Exact numeric spans精确数值片段437430
capital_allocationq_and_a
39
“Just how are you guys thinking about alternative avenues to deploy excess capital these days between buybacks and I'm just curious within that context as well, what you're kind of hearing and seeing on the acquisition front?”
Nathan Raceclaim_e3a227cc21dd1149f975e8c6fb83a903
demandq_and_a
55
“As I shared in my prepared remarks, it's mostly attributable to our customers fulfilling their business purpose.”
Lynn Kerberclaim_db4ccb6c0dae1d3ec787be2631d6d7d5
demandq_and_a
55
“Those customers were able to get something more aggressive in the market, and we elected not to compete on that.”
Lynn Kerberclaim_294a5c726e4d01f9619c21b512baa1a2
Inspect the source receipts检查来源回执24 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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