Question · Q4 2025
Jordan Gintz asked about the $350 million in subdebt moving from fixed to floating in October, the potential for redemption, and its effect on buyback activity. He also requested an update on loan balance guidance for near-term trends, following previous guidance for lower balances in Q4 2024/2025.
Answer
George Gleason, Chairman and CEO, confirmed the subdebt moves to floating in October but stated no decision has been made regarding redemption, noting the bank's strong capital and earnings power allow for opportunistic capital deployment. Tim Hicks, CFO, expects positive loan growth in Q1, with stronger growth anticipated in Q2, Q3, and Q4, rather than Q1. George Gleason agreed, noting many expected payoffs in Q1, suggesting mid-single-digit loan growth will be loaded into the final three quarters.
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