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Charlie Driscoll

Research Analyst at KBW

Charlie Driscoll is an Equity Research Analyst at Keefe, Bruyette & Woods (KBW), specializing in the coverage of regional and community banks such as National Bank Holdings. He is recognized for his analytical acumen during earnings calls and for delivering detailed insights on asset growth, deposit competition, and regulatory impact, with his sector calls regularly featured in major institutional management discussions. While detailed performance metrics or rankings are not publicly disclosed, Driscoll maintains an active presence in the banking sector’s investment community since joining KBW and leverages a robust background in financial analysis. He holds professional credentials required for his role and is registered with FINRA.

Charlie Driscoll's questions to FIRST HAWAIIAN (FHB) leadership

Question · Q3 2025

Charlie Driscoll inquired about First Hawaiian Inc.'s capital priorities, including the approach to share buybacks and the M&A strategy given the heating market. He also asked for specifics on deposit betas in Hawaii's rational pricing environment, anticipating Fed rate cuts, and whether the margin expansion guidance assumes any loan purchases.

Answer

Jamie Moses, Vice Chairman and CFO, reiterated capital priorities focus on loan growth within credit parameters and noted the remaining share buyback authority, with future activity dependent on market conditions. He indicated no immediate dividend increase due to the relatively high payout ratio. Moses detailed deposit betas for rate-sensitive portfolios, expecting them to decrease from 90% for the next cut to 85% for subsequent cuts. He clarified that the margin expansion guidance for Q4 does not assume any loan purchases, relying instead on strong organic loan growth.

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Charlie Driscoll's questions to HERITAGE FINANCIAL CORP /WA/ (HFWA) leadership

Question · Q3 2025

Charlie Driscoll inquired about Heritage Financial's capital priorities post-Kitsap Bank integration, specifically regarding stock buybacks, and the strategy for managing the loan-to-deposit ratio moving forward.

Answer

Don Hinson, Chief Financial Officer, stated it's premature to comment on future capital priorities or stock buybacks until the Olympic Bank Corp transaction is complete, though the company expects to earn back significant capital. Bryan McDonald, President and Chief Executive Officer, expressed a high-level goal to increase the loan-to-deposit ratio to 85% or slightly higher by deploying more assets into loans.

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Question · Q3 2025

Charlie Driscoll inquired about Heritage Financial's capital priorities, specifically regarding stock buybacks, after the Kitsap deal closes and integrates, and the bank's high-level strategy for managing its loan-to-deposit ratio moving forward.

Answer

Don Hinson, CFO, stated it's premature to comment on capital priorities or buybacks until after the Olympic deal closes and its full impact is assessed, advising against modeling buybacks at this point. Bryan McDonald, President and CEO, expressed a high-level goal to increase the loan-to-deposit ratio to 85% or slightly higher, actively seeking loan opportunities to deploy more assets.

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