Earnings Conference Call Bill Rogers – Chairman & CEO Fourth Quarter 2025 Earnings Conference Call Mike Maguire – CFO Bill Rogers - Chairman & CEO Mike Maguire - CFO January 21, 2026 January 21, 2026 Fourth Quarter 2024 Forward-looking statements From time to time we have made, and in the future will make, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or curr ...

Financial Review ZIONS FOURTH QUARTER 2025 J a n u a r y 2 0 , 2 0 2 6 FORWARD-LOOKING STATEMENTS; USE OF NON-GAAP FINANCIAL MEASURES Forward-Looking Information This presentation contains "forward-looking statements" as defined under the Private Securities Litigation Reform Act of 1995. These statements reflect management's current expectations and assumptions regarding future events and outcomes. However, they are inherently subject to known and unknown risks, uncertainties, and other factors that could c ...

Progress Financial Results Q4 2025 Supplemental Information January 20, 2026 Forward Looking Statements This presentation contains statements that are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Progress has identified some of these forward-looking statements with words like "believe," "may," "could," "would," "might," "should," "expect," "intend," "plan," "target," "anticipate" ...

Financial Performance - Net income for 4Q25 was $125.6 million, or $1.49 per diluted share[27, 28] - Adjusted Pre-Provision Net Revenue (PPNR) totaled $174.0 million in 4Q25[27, 28] - Net income for 2025 was $486.1 million, or $5.67 per diluted share[29, 30] - Adjusted Pre-Provision Net Revenue (PPNR) for 2025 totaled $679.9 million, up 6% compared to 2024[29, 30] Balance Sheet - Total assets reached $35.5 billion as of December 31, 2025[10] - Total loans amounted to $24.0 billion, up 6% LQA[10, 28, 34] - Total deposits were $29.3 billion, up 9% LQA[10, 28, 42] - CET1 ratio was estimated at 13.66% at the end of 4Q25[10, 27, 28] Strategic Initiatives and Outlook - The company expects mid-single digit loan growth in 2026[34, 80] - The company anticipates NII to increase by 5%-6% in 2026[80]

Record 92,863 Ft. August 13, 2001 Fourth Quarter Report January 20, 2026, Live @ 1:00PM ET 1 Forward Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, about us and our industry that involve substantial risks and uncertainties. Forward-looking statements generally relate to future events or our future financial or operating performance. In som ...

Q4 Earnings Conference Call January 20, 2026 Pri m ar y & se co nd ar y br an d co lor s Data viz colors Data viz monochromatic Legal Disclaimers This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are based on management's beliefs, assumptions, current expectations, estimates and projections about BOK Financial Corporation, the financial services industry, and the economy generally. Words such as "anticipates," "believes," "e ...

FORWARD-LOOKING STATEMENTS Factors that may cause the actual results to be materially different from the future results expressed by the forward-looking statements include, but are not limited to: the effect of D.R. Horton's controlling level of ownership on us and the holders of our securities; our ability to realize the potential benefits of the strategic relationship with D.R. Horton; the effect of our strategic relationship with D.R. Horton on our ability to maintain relationships with our customers; th ...

Fourth Quarter 2025 Earnings Conference Call January 20, 2026 Safe Harbor Statement Statements in this presentation which are not historical facts are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995. These forward-looking statements may include discussions of the strategic plans and objectives or anticipated future performance and ...

Introduction Josh Disbrow Co-Founder & Chief Executive Officer Forward Looking Statements EXXUA™ Launch Aytu BioPharma Investor Day January 20, 2026 Actor portrayals. This presentation includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended ("Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended ("Exchange Act"). All statements other than statements of historical facts contained in this presentation, are forward-looking s ...

Financial Performance & Profitability - EPS grew by 11% year-over-year, reaching $5.47 in 2025 compared to $4.93 in 2024[11] - ROAA was 1.4% and ROAE was 14.1% in 2025[11] - Total deposits increased by 12%, with 2% growth excluding deposits gained from the acquisition[11] - Net interest margin was 3.47% in 2025, slightly down from 3.58% in 2024[11] Loan Portfolio & Asset Quality - Commercial loans increased by 6% including the acquisition, and 2% excluding it[11] - Nonperforming assets to total assets ratio stood at 0.12% at the end of 2025[11] - Net loan charge-offs to average loans were 0.04% in 2025[11] - Floating Rate Commercial Loans accounted for $3,046.8 million, while Fixed Rate Commercial Loans were $871.9 million[108] Capitalization & Shareholder Value - CET1 capital ratio was 11.0% at the end of 2025, up from 10.7% at the end of 2024[11] - Tangible book value per share was $36.78 at the end of 2025, compared to $33.14 at the end of 2024[11] Acquisition & Strategic Initiatives - The acquisition of Eastern Michigan Financial Corporation closed on December 31, 2025[25] - The loan-to-deposit ratio decreased to 91% at YE 2025 from 98% at YE 2024[11,26]