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

“I guess I'd love to start kind of with some updated thoughts around CIB, if you could, kind of walking us through some of the comments you made in the management commentary about the internal diversification within CIB and just kind of how you think that will, now that we've progressed a bit down the path, how you expect to see CIB impact loan loss reserves in the future, if we should continue to see that come down as a percentage of the loans given their lower credit risk seemingly, and just the impact that they've had on fees to date and projected moving forward.”

“The diversification within CIB's portfolio, which it has a lot of different business lines to a lot of different types of customers, is a very important long-term franchise value enhancement, we believe, for Bank OZK.”

“We are excited about the growth of CIB that we continue to make across these diversified business segments, and George hit the nail on the head there.”

“That will fill that $15 million-$100 million call it revenue size, family-owned, non-enterprise value business, which is really going to be a nice addition and true franchise grower for us with a focus in our core footprint, really complementing, again, our community bank and our branch network.”

“I guess sticking with the loan growth discussion, I think the guidance still calls for the mid-single-digit loan growth for the full year.”

“That is a reflection of the fact that we expect to need to grow more deposits in Q3 and Q4 based on a moderately increased volume of outstanding loans.”

“Modest increases in that cost as we go forward, part of that is driven by the need to generate more deposit volume simply because we expect more loan growth in Q3 and Q4.”

“We would rather have the volume, but if you don't get the volume, you like the way our team responded to that, and they were able to grind some margin improvement out in a lower volume environment.”

“That gives you a real indication, because CIB is $7+ billion now, and RESG is $15+ billion, and we're expecting those are going to equalize and cross at some point in 2027, which means we're going to continue to see strong growth in CIB and strong paydowns in RESG.”

“It has been a very long and very tough CRE cycle for a lot of our customers.”

“The quality of our sponsors and customers has shown up really well because we went through several years of that challenging environment with no problems to speak of, and we've had a handful of problems.”

“I think I used about $175 million of the $200 million repurchase authorization.”