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    Brandon Rud • Stephens Inc.

    Brandon Rud's questions to Peoples Bancorp Inc (PEBO) leadership

    Brandon Rud's questions to Peoples Bancorp Inc (PEBO) leadership • Q2 2025

    Question

    Brandon Rud from Stephens Inc. asked for the industry of the downgraded commercial relationship and the reason for the expected plateau in leasing charge-offs in the second half of the year. He also asked about the spread between new and maturing commercial loan yields.

    Answer

    President & CEO Tyler Wilcox identified the downgraded loan as a C&I credit to a wholesaler/manufacturer in Ohio, noting it's not correlated to any portfolio concentrations. He explained that the plateau in leasing charge-offs is driven by the active workout of high-balance accounts in a shrinking portfolio. Both Wilcox and CFO Katie Bailey stated that loan pricing spreads have been stable and are expected to remain so, moving with broader market rates.

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    Brandon Rud's questions to Wintrust Financial Corp (WTFC) leadership

    Brandon Rud's questions to Wintrust Financial Corp (WTFC) leadership • Q3 2024

    Question

    Brandon Rud, on behalf of Terry McEvoy at Stephens Inc., asked for a medium-term target for the net overhead ratio or the expense-to-average-assets ratio. He also inquired about the yields on new loans being originated.

    Answer

    David Stoehr, CFO, explained that Wintrust focuses on the net overhead ratio, targeting a level below 1.50%, as it better reflects the profitability of commission-heavy businesses. Richard Murphy, EVP and Chief Credit Officer, added that new loan yields vary significantly by category, ranging from spreads in the low 200s for core commercial relationships to substantially higher yields in premium finance.

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