$CIVB 8-K earnings — Q2 FY26

EPS of $0.69 beat consensus of $0.66 by $0.03, or 4.5%. Revenue quality is solid, driven by a 25bps YoY net interest margin expansion to 3.89% and a 37bps decline in funding costs, though net income fell 4.5% QoQ. The key nuance: the YoY EPS dip to $0.69 from $0.71 is purely from share dilution from the FSB merger and equity raise, masking strong underlying operating momentum and PPNR growth.

EPS beat consensus by $0.03, with net interest margin expanding 25bp and funding costs falling 37bp.