MCB Q1 2026 Earnings Transcript

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Wednesday, April 22, 2026 astatine 9 a.m. ET

• President & Chief Executive Officer — Mark DeFazio

• Executive Vice President & Chief Financial Officer — Daniel Dougherty

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Mark DeFazio: Thank you, Angela. Good morning, and convey you each for joining our call. We ended the twelvemonth with momentum, meaningful visibility into our maturation outlook. A important information of our expected indebtedness and deposit maturation is already successful the pipeline and expected to beryllium realized successful the archetypal fractional of the year, with the equilibrium gathering steadily into the backmost half. The visibility reflects signed lawsuit commitments, progressive onboarding enactment and long-standing relationships alternatively than speculative assumptions. Our iGaming payments and HUD [Audio Gap] platforms are nary longer conceptual. They are successful integration stage.

We person a enactment of show into implementation clip lines and lawsuit onboarding activity, which volition let america to supply progressively circumstantial guidance astir erstwhile these initiatives volition construe into meaningful equilibrium expanse growth, interest income and a broader lawsuit engagement. With caller investors joining america pursuing the palmy superior raise, this is an important infinitesimal to restate what defines the MCB concern model. This is not a caller strategy oregon a pivot. This is simply a continuation and acceleration of a long-standing program that has been executed consistently implicit galore years. MCB is led by an experienced absorption squad with a demonstrated way grounds of delivering connected maturation initiatives.

Our show reflects disciplined execution, not opportunistic expansion, and our results talk to the extent and acquisition crossed the organization. Our maturation illustration is unmatched among peers, some wrong the New York City marketplace and nationally. This outperformance is not constricted to a azygous rhythm oregon initiative. It is evident crossed aggregate years of economical environments, underscoring the durability of our model. The initiatives driving our maturation contiguous were developed implicit galore years and required extended upfront investments, peculiarly successful technology, infrastructure and hazard management. Those investments are present mostly complete. As a result, today's maturation reflects execution connected a well-planned strategy, not assertive agelong targets oregon maturation for the involvement of growth.

The magnitude of our maturation accidental is simply a nonstop effect of the concern we've made successful exertion and talent, which are present afloat embedded successful the organization. MCB is positioned to comfortably enactment a substantially larger equilibrium expanse portion continuing to conscionable the evolving needs of a blase commercialized client. I would similar to explicit my sincere appreciation to our employees, directors and clients for their continued dedication and contributions. Their committedness to excellence has been instrumental to MCB's sustained show and volition stay a cardinal operator of our occurrence successful the years ahead. I volition present crook our telephone implicit to our CFO, Daniel Dougherty.