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Analyst
Dave Rochester
Period: Reporting periods mapped to calendar 2025 Q3 – 2026 Q2 (4 quarters; questions recorded in 3).
- Questions
- 11on tracked calls
- Challenge rate
- 9%1 of 11 questions
- Companies
- 3questioned at least once
- Reporting periods
- 3with 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 11 of 11 questions from 3 companies
RFRegions Financial Corporation5 questions · 3 reporting periods · 0 of 5 challenging
Calendar 2026 Q2
with pipeline stronger now, are you thinking that that back half could actually exceed growth in the first half?
Show response
Pushed back on extrapolation and explained the first-quarter draw effect rather than accepting the bullish framing.
Calendar 2026 Q1
are you expecting to see more meaningful moves lower in NPAs and criticized assets as we get to the back half of the year
Show response
John Turner said NPAs could decline into the 60s but not much further given historical average near 1%. Credit largely normalized given current portfolio composition. Transportation in latter innings with total commitments at 1.2% of loans, NPLs at $51M, appropriately reserved.
given today's rates, is there any more you could do there
Show response
Anil Chadda said limited remaining opportunity. Will monitor as securities approach maturity but disciplined on returns and payback period. Recent trade had strong 2-year payback.
Calendar 2025 Q3
it seems like you might be pretty well positioned to grow maybe even faster than GDP in group next year once you kick out that $300 million
Show response
John Turner confirmed loan growth expectations of GDP plus a little, with real GDP around 2%. Will provide specific 2026 loan growth guidance later.
How big is that exposure that you are looking at within that segment right now
Show response
John Turner sized telecom exposure at $700M, not significant relative to total portfolio. On NPL trajectory, indicated positive direction given ~$1B criticized loan reduction but reluctant to give specific guidance due to timing uncertainty. ACL ratio of 1.78% should trend toward day-one CECL of 1.63% over time.
CFGCitizens Financial Group3 questions · 2 reporting periods · 0 of 3 challenging
Calendar 2026 Q2
there is a better chance you are going to land closer to the upper end of that 16% to 18% ROTCE target?
Show response
Van Saun declined to commit to the upper end, noting NII development matters more than the private bank alone.
How meaningful could Florida be for you and what is the timeline for getting that density you want up and running?
Show response
Gave a candid multi-year timeline and Coughlin sized the Florida ambition at 5 or 6 affluent communities over a 5 year horizon.
Calendar 2025 Q3
You reiterated the levels you talked about before in terms of loan deposit targets AUM. You're already there on deposits, so it would be great to just hear your outlook there.
Show response
First question on private bank outlook beyond year-end targets, noting deposits already at $12.5B vs $12B target. Follow-up positively noted Fed funds range lowered 25bp while NIM range maintained. Supportive framing.
MTBM&T Bank3 questions · 1 reporting period · 1 of 3 challenging
Calendar 2025 Q3
Do you see any upside potential of that going forward given your outlook for more Fed rate cuts on the one hand and then given the repricing that you see you still have left to do
Show response
Bible detailed rate sensitivity: down 100 (2 more cuts) is flat NII; up 100 (rates stay flat) is slightly negative, balance sheet is nearly neutral. Consumer loan roll-on +75bps, investment portfolio +50-75bps. Deposit betas at 54% mirroring rate-up cycle.
when would you start to get worried about it from a credit perspective? How long would this have to drag on before you guys get more concerned about it?
Show response
Bible monitoring government contractors, SBA (already shut down), HUD/FHA reimbursements, C&I healthcare, nonprofits with grants, and government employees. Haven't seen impact yet but a few months would create stress.
hoping you'd just give a little update on your exposure if you have anything to the Tricolor situation
Show response
Bible confirmed no credit exposure to Tricolor. Roles limited to custodian, trustee, and securitization functions. Situation will play out over time. Industry needs to improve to prevent such events. Still believes in corporate trust business.
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 |
|---|---|---|
| RF Regions Financial Corporation | 5 | 0%none of 5 questions |
| CFG Citizens Financial Group | 3 | 0%none of 3 questions |
| MTB M&T Bank | 3 | 33%1 of 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 |
|---|---|---|---|
| 2025 Q3 | 6 | 17%1 of 6 questions | 3 |
| 2025 Q4 | No questions recorded | — | — |
| 2026 Q1 | 2 | 0%none of 2 questions | 1 |
| 2026 Q2 | 3 | 0%none of 3 questions | 2 |
- 2025 Q36 questions · challenge rate 17% (1 of 6 questions) · 3 companies
- 2025 Q4No questions recorded
- 2026 Q12 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2026 Q23 questions · challenge rate 0% (none of 3 questions) · 2 companies
Topics
Topics tagged on this analyst’s questions.
- Credit4
- Demand3
- Guidance Reliability2
- Revenue Growth2
- Geographic Expansion2
- Margin2
- Capital Allocation1
- Macroeconomic1
- Regulation Policy1