US earnings calls, 19–20 October 2026: banks guide loan growth and plan for rate hikes

BOK Financial said its fiscal year 2026 loan growth guidance remains above 10%. Peoples Bancorp and BOK Financial said their outlooks assume further interest rate increases.

An update from FactIQ, written from company statements in earnings calls of companies listed in the United States. What is FactIQ?

Key figures

BOK Financial, loan growth guidance, fiscal year 2026

above 10%stated by the chief financial officer; guidance remains at this level

Peoples Bancorp, expected loan growth, fiscal year 2026 compared with fiscal year 2025

6% to 8%stated by the chief executive; includes loans acquired from Citizens

Peoples Bancorp, expected net interest margin, fiscal year 2027

4.3% to 4.5%stated by the chief executive; assumes Federal Reserve rate increases of 25 basis points in late 2026, March 2027 and September 2027

MSCI, expected increase in severance expenses over original plan, fiscal year 2026

$10 million to $15 millionstated by the chief financial officer; roughly, as it accelerates efficiencies and its artificial intelligence transformation

Banks said they expect loans to keep growing

BOK Financial: the chief financial officer said fiscal year 2026 loan growth guidance remains above 10%. The bank expects fiscal year 2026 net interest income of $1.43 billion to $1.44 billion and fee income above $800 million.
Peoples Bancorp: the chief executive said the company expects loan growth of 6% to 8% in fiscal year 2026 compared with fiscal year 2025, including loans acquired from Citizens. The chief executive also said Peoples realized over $160 million of commercial loan payoffs in the third quarter of fiscal year 2026.
Wintrust Financial: the chief executive said it expects loan and deposit growth in the mid- to high-single digits in the fourth quarter of fiscal year 2026, with targets unchanged.

Several banks built further rate increases into their margin outlooks

Net interest margin (NIM) is the gap between what a bank earns on loans and pays on deposits.

Peoples Bancorp: the chief executive said the company anticipates a NIM of 4.3% to 4.5% for fiscal year 2027, assuming Federal Reserve rate increases of 25 basis points in late 2026, March 2027 and September 2027.
BOK Financial: the chief financial officer said fiscal year 2026 guidance assumes one additional rate hike in the fourth quarter of fiscal year 2026.
Home Bancorp: the chief financial officer cited 4.27%-4.28% as its NIM starting point for the fourth quarter of fiscal year 2026 and said it expects NIM to rise slightly or remain stable after a quarter or two more rate hikes.

MSCI expects its 2026 expenses at the top of its ranges

The chief financial officer of MSCI said it expects 2026 expenses to be at the top end of its expense guidance ranges. MSCI expects fiscal year 2026 severance expenses to be roughly $10 million to $15 million higher than originally planned as it accelerates efficiencies and its artificial intelligence (AI) transformation.

Other companies reported quarterly growth

RLI: the chief executive said premiums grew 2% and net investment income grew 13% in the third quarter of fiscal year 2026. The comparison period was not specified.
First Foundation: the chief financial officer said net interest income was $31.8 million in the third quarter of fiscal year 2026, up 6% from the second quarter of fiscal year 2026.

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