Brandon Rudolph

Brandon Rudolph inquired about specific markets or commercial segments expected to outperform in loan growth during 2026. He also asked about the pricing of new loans compared to maturing or paying-off loans to understand the incremental benefit. Lastly, he sought a near-term sense of the accretion component within the 4.20%-4.35% margin outlook for Q1 2026.

Answer

Rick Sems, Bank CEO, highlighted Missouri, Oklahoma (Oklahoma City, Tulsa), Nebraska, and Kansas City as strong growth markets, with Brad Elliott, Chairman and CEO, adding that Kansas City had a booming year. Rick Sems stated that new originations are coming on at approximately 50 basis points ahead of the current coupon yield, leading to an accretive impact on loan yield. Chris Navratil, CFO, confirmed that additional accretion from Frontier is encapsulated within the 4.20%-4.35% margin range for Q1 2026 and offered to provide specific basis point attribution.

Brandon Rudolph inquired about specific markets or commercial segments expected to outperform in loan growth for 2026. He also asked about the pricing of new loans compared to maturing ones to understand the incremental benefit to the portfolio. Lastly, he sought a near-term sense of how accretion would impact the margin within the 4.20%-4.35% guidance, specifically regarding the step-up from Q4's normalized 12 basis points.

Answer

Rick Sems, Bank CEO, highlighted Missouri, Oklahoma (Oklahoma City and Tulsa), Nebraska, and Kansas City as markets with strong loan growth opportunities. He noted that new originations are coming on at approximately 50 basis points ahead of the current coupon yield, providing an accretive impact. Chris Navratil, CFO, confirmed that additional Frontier accretion is encapsulated within the 4.20%-4.35% margin guidance, offering to provide specific basis point attribution separately.