Analyst
Stevens, Inc.
Equibles does not estimate personal net worth.
Andrew Terrell is recorded as Analyst at Stevens, Inc.. Andrew Terrell has spoken on 6 earnings calls across 6 companies, most recently for Mechanics Bancorp on October 29, 2026. Those appearances were for Mechanics Bancorp (MCHB), Five Star Bancorp (FSBC), Avidbank Holdings, Inc. (AVBH), Preferred Bank (PFBC), Banner Corp (BANR) and 1 other company. The companies whose calls Andrew Terrell spoke on are classified in the Financial Services sector.
“Hey, maybe just to start on the expense side, the $420 million run rate in IE in the fourth quarter. Can you just talk about your expectations kind of beyond that a bit?”
“Hey, James, I just touched on it briefly just a moment ago, but I'd love to hear any kind of early observations on your end from the Southern California expansion, any change in kind of type of credit you're underwriting there, and then just what kind of growth outlook you see in SoCal specifically.”
“Pat or Mark, maybe just to start, can you just talk about some of the new hires you've made? It seemed like a really a quarter of a hiring standpoint. I'd be curious on just the HOA group, SBA team, and then can you give us an update or refresh on kind of the hiring pipeline more broadly?”
“Maybe just a housekeeping on the deposits. It looks like a lot of the deposit growth maybe happened towards the end of the quarter, just comparing the end of period versus the average.”
“And is this, I think it's like 12.6 CET1. Is 12.5 CET1 kind of how you think about capital targets, you know, if you think long-term, or is it a different level than that?”
Stevens, Inc.
Analyst
Transcript header (unverified)
MCHB
Banks - Regional · Financial Services
FSBC
Banks - Regional · Financial Services
Banks - Regional · Financial Services
PFBC
Banks - Regional · Financial Services
BANR
Banks - Regional · Financial Services
FINW
Banks - Regional · Financial Services
