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    Brandon Root

    Research Analyst at Stephens Inc.

    Brandon Root is an Equity Research Analyst at Stephens Inc. specializing in coverage of regional banks, notably having engaged with Peoples Bancorp in his research activities. His career at Stephens Inc. began in the early 2020s, with prior experience reflected through his expertise in banking sector analysis and a track record for incisive earnings call participation. Root's performance data, while limited in public rankings, indicates active involvement in company coverage and research publication, and he maintains professional registration consistent with standard FINRA requirements for equity analysts. His credentials include securities licensing and continuing education in financial analysis.

    Brandon Root's questions to PEOPLES BANCORP (PEBO) leadership

    Brandon Root's questions to PEOPLES BANCORP (PEBO) leadership • Q2 2025

    Question

    Brandon Root, on behalf of Stephens Inc., asked for the industry of the recently downgraded commercial relationship and the bank's total exposure to that sector. He also sought clarification on the drivers behind the expected plateau in leasing charge-offs and the current spread between maturing commercial loans and new production yields.

    Answer

    President & CEO Tyler Wilcox identified the downgraded credit as a C&I loan to a wholesaler/manufacturer in Ohio, noting it was part of a granular portfolio with no specific industry concentration. He explained that leasing charge-offs are materializing from the active workout of high-balance accounts in a shrinking portfolio. CFO Kathryn Bailey added that loan spreads have been stable and the bank will not compromise on credit or profitability for volume.

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