What changed
EPS of $1.52 beat consensus of $1.41 by $0.11, or 7.8%. Revenue quality is strong as net interest income rose to $29.5M from $26.9M linked quarter, and full-year NII guidance was raised to $115-117M. The market may miss that the 30bps NIM expansion to 3.58% was driven by deposit cost improvement and higher-yielding loan production, while SBA gains contributed $2.4M to noninterest income.
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Jul 23, 2026 10:14 PM ET