Analyst
UBS
Equibles does not estimate personal net worth.
Samuel Varga is recorded as Analyst at UBS. Samuel Varga has spoken on 7 earnings calls across 5 companies, most recently for First Interstate Bancsystem Inc on October 23, 2026. Those appearances were for First Interstate Bancsystem Inc (FIBK), SouthState Bank Corp (SSB), Metropolitan Bank Holding Corp. (MCB), Columbia Banking System, Inc. (COLB) and First Citizens Bancshares Inc (FCNCA). The companies whose calls Samuel Varga spoke on are classified in the Financial Services sector.
“I just wanted to go back to the comments you just made on the earning asset mix and how it's shifting towards securities in 4Q. I guess in that sort of backdrop and the implications of margin, what is the true incentive for pushing deposit growth?”
“Just wanted to go back to the balance sheet discussion a little bit this quarter with the loan growth you had. The loan-to-deposit ratio went up just north of 90%.”
“I just wanted to go back to the deposit trends a little bit. And you noted the muni deposits bringing the balances a little bit. Can you size a little bit more specifically what that isolated muni seasonality impact was?”
“I just wanted to turn back to long growth for one more question. If we look at the payoffs on the traditional sort of relationship-oriented portfolio, the payoffs still seem relatively elevated after 3Q, 4Q and now 1Q as well.”
“I just wanted to go back to SUV for one more finer point on 2026. Just based on all the commentary you've provided this morning, is it fair to say that the growth to come is more on the new client acquisition side rather than utilization uptake, or it could be still from both into next year?”
UBS
Analyst
Transcript header (unverified)
Banks - Regional · Financial Services
Banks - Regional · Financial Services
Banks - Regional · Financial Services
Banks - Regional · Financial Services
Banks - Regional · Financial Services
