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

“We are pleased to report that our net income for the second quarter of 2026 was $33.5 million, or $2.78 a share.”

“Loan increased $125 million, or 2% in quarter basis.”

“Net interest margin was 3.73%, favorably affected by the interest recovery.”

“We try to squeeze every 10 basis points, 25 basis points out of each transaction.”

“We see a lot of hesitation on the customer side.”

“That, and the much increased level of activities from the non-bank lenders, their competition, we think that going forward in the third quarter certainly will be a lot tougher than second quarter.”

“Well, from my angle, I see in the second quarter the increase in demand.”

“I just mentioned early in the quarter, there's a lot more optimism in our customers level than it is today regarding the rate of cost they have to pay.”

“I'm curious, how do you think about, again, with this competitive backdrop, how do you think about your ability to drive core deposit growth going forward?”

“We focus more on net interest income growth as opposed to managing to the margin.”

“The margin's simply a mathematical output of how well we executed.”

“Those obviously all lead to, those kind of all point to some compression in the margin going forward, and probably on into next year.”