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Analyst
Dan Tamayo
Period: Reporting period mapped to calendar 2026 Q3.
- Questions
- 4on tracked calls
- Challenge rate
- 0%none of 4 questionsLimited sample
- Companies
- 2questioned at least once
- Reporting periods
- 1with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 4 of 4 questions from 2 companies
CFGCitizens Financial Group2 questions · 1 reporting period · 0 of 2 challenging
Calendar 2026 Q3
It looks like there was an increase in kind of the early stage commercial real estate delinquencies.
Show response
Banerjee called the CRE delinquencies idiosyncratic; Van Saun expects charge-offs to keep falling as the office book runs off, letting the allowance dip further.
how do you think about any kind of shift in profitability over time as that continues to work through?
Show response
Van Saun said ROE may drift down slightly with a bigger loan book and build-outs but stay in a 20 to 25 zone; Coughlin said the business stays self funding.
MTBM&T Bank2 questions · 1 reporting period · 0 of 2 challenging
Calendar 2026 Q3
Just diving into the increase in deposit costs, just curious if that was more related to competition
Show response
Bible split the 10 basis point rise: four basis points from promotional CDs at 4.05%, the rest normal repricing after the hike; optimistic on NII and NIM.
how are you thinking about the trade-off between maintaining deposit pricing discipline and funding loan growth
Show response
Bible said operating accounts anchor every relationship, 80% of business banking deposits are operating accounts, and term funding is a backstop to deposits.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| CFG Citizens Financial Group | 2 | —Rate withheld: fewer than 3 questions |
| MTB M&T Bank | 2 | —Rate withheld: fewer than 3 questions |
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2026 Q3 | 4 | 0%none of 4 questions | 2 |
- 2026 Q34 questions · challenge rate 0% (none of 4 questions) · 2 companies
Topics
Topics tagged on this analyst’s questions.
- Pricing2
- Credit1
- Margin1
- Revenue Growth1
- Competitive Dynamics1
- Demand1