Acquisition Strategy - CVBF plans to acquire Heritage Bank of Commerce, with an estimated closing in Q2 2026[22] - The acquisition is expected to result in a pro forma Return on Average Tangible Common Equity (ROATCE) of 168% in 2027[132] - The acquisition is projected to increase Earnings Per Share (EPS) by approximately 132% in 2027, excluding rate marks[132] - The transaction assumes cost savings of approximately 35% of Heritage Commerce's estimated 2027 operating noninterest expense, which is about $43 million[134] Financial Performance (Q4 2025) - Net income for Q4 2025 was $55044 thousand, with earnings per share (EPS) of $040[33] - The Net Interest Margin (NIM) for Q4 2025 was 349%[33] - The efficiency ratio for Q4 2025 was 463%[33] - The Return on Average Tangible Common Equity (ROATCE) for Q4 2025 was 1441%[33] Balance Sheet (December 31, 2025) - Total assets were $156 billion, with gross loans amounting to $87 billion[14,31] - Total deposits, including repurchase agreements (repos), were $126 billion[14,31] - Total equity was $23 billion[14] - Securities totaled $50 billion, representing 32% of assets[31] - Loans totaled $87 billion, representing 55% of assets[31] Capital Ratios (December 31, 2025) - The Common Equity Tier 1 (CET1) ratio was 159%[32,33] - The Tier 1 Leverage ratio was 116%[32] - The Tangible Common Equity (TCE) ratio was 103%[32,33] Loan Portfolio (December 31, 2025) - Commercial Real Estate (CRE) loans constituted 76% of the loan portfolio[31] - Commercial and Industrial (C&I) loans represented 11% of the loan portfolio[31] - Dairy & Livestock (D&L) and Agribusiness loans accounted for 5% of the loan portfolio[31]

A discussion of certain risks and uncertainties affecting the Corporation, and some of the factors that could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, can be found in the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Corporation's Annual Report on Form 10-K for the year ended December 31, 2024, Quarterly Reports on Form 10-Q for the quarters ending ...

FCX Conference Call 4 th Quarter and Year Ended 2025 Results January 22, 2026 fcx.com Cautionary Statement This presentation contains forward-looking statements in which FCX discusses its potential future performance, operations and projects. Forward-looking statements are all statements other than statements of historical facts, such as plans, projections or expectations relating to business outlook, strategy, goals or targets; repair and remediation efforts, and phased restart and ramp-up of production an ...

Exhibit 99.2 2025 4th Quarter Financial Results 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. These forward-looking statements reflect the current views of the management of Equity Bancshares, Inc. ("Equity," "we," "us," "our," "the company") with respect to, among other things, future events, the expected benefits of the Frontier Holdings, LLC ("Frontier ...

Financial Performance (4Q25) - EPS reached $1.27[7] - Total core revenues amounted to $185.4 million[7] - Net Interest Margin (NIM) stood at 5.12%[7] - Provision for credit losses was $31.9 million[7] - Non-interest expense totaled $105.0 million[7] - Pre-Provision Net Revenue (PPNR) was $79.3 million[7] Financial Position (EOP 4Q25) - Total assets reached $12.5 billion[7] - Customer deposits totaled $9.9 billion[7] - Loans held for investment were $8.2 billion[7] - Investments amounted to $2.8 billion[7] - Cash holdings were $1.0 billion[7] Capital Adequacy (4Q25) - CET1 ratio was 13.97%[7] - Tier 1 Risk-Based Capital Ratio was 13.97%[7] - Total Risk-Based Capital Ratio was 15.24%[7] - Leverage Ratio was 10.71%[7] Digital Adoption (4Q25) - 96% of all routine transactions were conducted through digital channels[17] - 98% of all deposit transactions were conducted through digital channels[17] - 71% of all loan payments were made digitally[17]

Financial Highlights - Total assets reached $10.5 billion[13] - Total loans amounted to $7.3 billion[13] - Total deposits totaled $9.1 billion[13] - Tangible common equity stood at $1.1 billion[13] - Market capitalization was $683 million as of January 20, 2026[14] Capital & Liquidity - CET1 Ratio was 13.83%[19] - Tangible Common Equity / Tangible Assets was 10.87%[19] - Available liquidity covered uninsured deposits by 199%, with $4.7 billion in combined on-balance sheet liquidity and available borrowing capacity against $2.4 billion in uninsured deposits[19, 59] Income Statement - Net interest income increased by $0.1 million quarter over quarter[44] - Provision for credit losses decreased to $15.5 million, compared to $113.2 million for the prior quarter[49] - Noninterest income increased by $9.7 million[50] 2026 Outlook - Average deposits are projected to decrease by 4-7%[53] - Average loans are expected to decrease by 4-6%[53] - Net interest margin is forecasted to be between 2.60% - 2.80%[53]

FOURTH QUARTER 2025 January 22, 2026 ©2026 Live Oak Bancshares. All rights reserved. FORWARD LOOKING STATEMENTS Information in this presentation may contain "forward-looking statements" within the Private Securities Litigation Reform Act of 1995. These statements generally relate to our financial condition, results of operations, plans, objectives, future performance or business and usually can be identified by the use of forward-looking terminology such as "may," "will," "would," "should," "could," "expect ...

Corporate Update January 2026 Power and precision in cancer radiotherapeutics NASDAQ: PSTV Cautionary Note Regarding Forward Looking Statements This presentation contains statements that may be deemed "forward-looking statements" within the meaning of U.S. securities laws, including statements regarding clinical trials, expected operations and upcoming developments. All statements in this presentation other than statements of historical fact are forward-looking statements. These forward-looking statements m ...

Financial Highlights - Full Year 2025 Net Income to common reached a record high for the firm[4], with adjusted Net Income to common at $3138 million[5, 73] - Full Year 2025 revenue was $12577 million, a record high for the firm[5, 67] - Full Year 2025 Tangible Book Value per Share was $7525, an increase of $893 or 13%[5] - Full Year 2025 Return on average assets was 104%[5] - Q4 2025 adjusted earnings per share grew 45% year-over-year[7] - Q4 2025 adjusted return on average assets was 120%[7] Loan Portfolio - Total LHI increased by $16 billion, or 7% year-over-year[18] - Ending period commercial loans increased by $11 billion, or 10% year-over-year[19] - Multifamily comprises $22 billion, or 40% of CRE loans[19] - Full year average mortgage finance loan balances increased 12% to $52 billion[19] Deposits and Funding - Total deposit balances increased $12 billion, or 5% year-over-year[24] - Non-interest bearing, excl MF10 deposits increased $233 million, or 8% quarter-over-quarter to $33 billion[25] - Average cost of interest bearing deposits declined 29bps to 347%[25] - Average MF10 non-interest bearing deposits increased $78 million linked quarter to $50 billion, representing 85% of average mortgage finance loans in Q4 2025 compared to 107% in Q4 of last year[25] Asset Quality - Criticized LHI declined $79 million, or 11% year-over-year, with the percentage of total LHI declining 54bps to 264%[56] - Special mention LHI declined $89 million, or 20% year-over-year[56] - Quarterly net charge-offs were $107 million, or 018% of average LHI[53, 56] Capital Position - Tangible common equity to tangible assets ended the quarter at 1056%, an improvement of 58bps year-over-year[5, 66] - Tangible book value per share expanded $223, or 3% quarter-over-quarter[66] - Repurchased 14 million shares in Q4 for a total of $125 million[66]

2025 Fourth Quarter Earnings Review January 22, 2026 Welcome. The Huntington National Bank is Member FDIC. ®, Huntington® and Huntington. are federally registered service marks of Huntington Bancshares Incorporated. ©2026 Huntington Bancshares Incorporated. Abundant Green R: 126 G: 207 B: 28 Dark Teal R: 3 G: 79 B: 84 Pastel Teal R: 184 G: 239 B: 228 Pastel Magenta R: 248 G: 224 B: 229 White R: 255 G: 255 B: 255 Prosperous Sage R: 0 G: 45 B: 42 Primary Palette Off-White R: 245 G: 245 B: 245 Second Palette H ...