Verified call record已核验电话会记录 · 2026-07-28

NTB · NTB 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。

Continue in Terminal在终端继续研究NTB

12 exact excerpts 条原文摘录 16 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。

marginsq_and_a

“The net interest margin was 2.74% in the second quarter, one basis point lower than the prior quarter, with the cost of deposits increasing one basis point to 125 basis points from the prior quarter.”

Michael Collins · CEOclaim_24a21e27370344eba0deccaf7b418636

Exact numeric spans精确数值片段2.74%125

capital_allocationq_and_a

“We again announced a quarterly cash dividend of $0.50 per share.”

Michael Collins · CEOclaim_250b56ff4f2c13f0533cd11d9246d3bd

Exact numeric spans精确数值片段0.50

capital_allocationq_and_a

“During the second quarter, we continued to repurchase shares with a total of 300,000 shares.”

Michael Collins · CEOclaim_9c9a837dd335b28276904325ee7b11f6

Exact numeric spans精确数值片段300,000

performancecapital_allocationmanagement_commitmentsq_and_a

“We will likely continue this pause or potentially scale back relative to our previous repurchase activity as we evaluate growth prospects and build back capital organically.”

Michael Collins · CEOclaim_01ee6afc2fbb3e3bed5dea5c62986ece

performancedemandsegment_changesq_and_a

“The announced agreement to acquire CIBC Caribbean represents a significant step forward in our long-term growth strategy, expanding our scale, expanding our regional footprint, and enhancing our ability to serve customers.”

Michael Collins · CEOclaim_67b9dfb6c072665726d05bf5f35360ac

q_and_a

“In the second quarter, we reported net interest income before provision for credit losses of $95.6 million, an increase of $2.3 million from the prior quarter, an increase of $6.2 million from the second quarter of 2025.”

Michael Schrum · CEOclaim_059f07ffcad1ccc00a0cef73c2b87942

Exact numeric spans精确数值片段95.6 million2.3 million6.2 million

performancedemandq_and_a

“The improvement was driven primarily by some growth in interest-earning asset volumes, as well as an extra day when compared to the prior quarter.”

Michael Schrum · CEOclaim_de2ba0660e69ddd3b3251b6667922570

guidanceq_and_a

“The bank's core efficiency ratio was 57%, slightly higher than the prior quarter's 56.4%, but still comfortably better than management's through cycle target of 60%.”

Michael Schrum · CEOclaim_ccc0ccb402fe50c025d778c0ecdd441a

Exact numeric spans精确数值片段57%56.4%60

risksq_and_a

“The $4.4 billion loan portfolio is heavily weighted towards full recourse residential mortgages, with nearly 79% of those mortgages carrying a loan-to-value ratio of below 70%, underscoring the low-risk profile of the book.”

Michael Schrum · CEOclaim_8b21fac38a8a4bfba37567b332c92624

Exact numeric spans精确数值片段4.4 billion79%70%

guidanceq_and_a

“TCE to TA continues to be conservatively above our targeted range at 6%-6.5%.”

Michael Schrum · CEOclaim_e2f10ddc8a966b9a35f3402c947e37e5

Exact numeric spans精确数值片段6%-6.5

demandq_and_a

“I think on the flip side, there are some things that they may be doing that we need to have a closer look at to see whether we would like to continue those, like equity options trading, or whether we want to partner up with CIBC post-close and kind of allow customers to transact through us onto their balance sheet.”

Michael Schrum · CEOclaim_237616b27233234f56537c9d047e5335

guidancecapital_allocationq_and_a

“Would you be comfortable returning to buybacks once the total capital ratio returns to the low 20% range that you target?”

Emily Leeclaim_0e137a436012e1497429d6b9eb218011

Exact numeric spans精确数值片段20%

Inspect the source receipts检查来源回执28 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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