<p>Alerus Financial Corporation 最近的財報電話會議傳達了一種謹慎樂觀的情緒，強調其銀行業務部門的強勁有機增長和成功的平台升級。儘管面臨不良資產增加和手續費收入下降等挑戰，公司對其退休業務展現了良好的前景。整體語氣體現了戰略增長和謹慎的風險管理。</p>
<h2>銀行業務部門的強勁有機增長</h2>
<p>Alerus Financial Corporation 報告稱，其銀行業務部門實現了強勁的有機增長，主要得益於商業銀行和私人銀行的推動。這一增長歸功於其銀行團隊的專業知識和經驗，這對擴大公司的市場影響力和客户基礎至關重要。</p>
<h2>財富管理領域成功的平台升級</h2>
<p>公司在其財富管理部門成功完成了一次重大平台升級。這一提升預計將顯著改善客户和顧問的體驗，促進未來的招聘和客户增長，併為公司在該領域的持續成功奠定基礎。</p>
<h2>資本和風險管理成就</h2>
<p>Alerus 在資本和風險管理方面取得了顯著里程碑，資本積累使得有形普通股權益（TCE）比率超過 8%。有形賬面價值增長近 5%，公司通過分紅向股東返還了 530 萬美元，體現了其對股東價值的承諾。</p>
<h2>退休業務的良好前景</h2>
<p>Alerus 的退休部門仍然是全國領先者，擁有顯著的增長機會。公司表達了樂觀的前景，得益於有利的立法發展和行業增長率，預計將推動該部門的進一步擴張。</p>
<h2>淨利息收入增加和穩定的利差</h2>
<p>Alerus 報告稱，淨利息收入較上季度增加 0.2%，淨利息利差保持在 3.50% 的穩定水平。這一穩定性表明公司在利率風險和定價策略方面的有效管理。</p>
<h2>不良資產增加</h2>
<p>財報電話會議強調不良資產的上升，已達到總資產的 1.13%，較上季度增加 15 個基點。這主要是由於單一商業關係面臨的挑戰，突顯了警惕風險管理的重要性。</p>
<h2>手續費收入下降</h2>
<p>注意到手續費收入下降，較上季度減少 7.3%。然而，排除一次性項目後，下降幅度僅為 1%，這表明核心手續費產生活動仍然相對穩定。</p>
<h2>抵押貸款和掉期收入的挑戰</h2>
<p>公司預計抵押貸款發放將出現季節性放緩，掉期收入也將減少，這通常是波動的。這些挑戰突顯了進行戰略調整以減輕對整體收入影響的必要性。</p>
<h2>前瞻性指導</h2>
<p>Alerus Financial Corporation 提供了詳細的前瞻性指導，預計到 2025 年底貸款將超過 41 億美元，總存款將達到 43 億美元，預計 2026 年將實現中個位數的增長。預計 2026 年的淨利息利差將在 3.35% 到 3.45% 之間，受紀律性定價策略的驅動。預計 2025 年的非利息收入將接近 1.15 億美元，2026 年將有增長。公司旨在保持強勁的儲備水平，並實現有形普通股權益比率超過 8%，專注於紀律性增長和創新。</p>
<p>總之，Alerus Financial Corporation 的財報電話會議反映出一種謹慎樂觀的前景，關鍵領域的強勁增長和旨在管理風險和增強股東價值的戰略舉措。儘管面臨一些挑戰，公司在未來增長方面處於良好位置，利用其在銀行、財富管理和退休服務方面的優勢。</p>

ALRS

<p>Alerus Financial Corporation 的財報電話會議強調了銀行業務的強勁有機增長、財富管理平台的成功升級，以及其退休業務的良好前景。儘管面臨不良資產增加和手續費收入下降等挑戰，公司在資本和風險管理方面取得了顯著里程碑。Alerus 預計將繼續增長，目標是在 2025 年前實現超過 41 億美元的貸款和 43 億美元的存款，同時保持穩定的淨利差。整體情緒謹慎樂觀，重點關注戰略增長和風險管理</p>

<p>Alerus Financial Corporation’s recent earnings call conveyed a cautiously optimistic sentiment, emphasizing strong organic growth in its banking segments and successful platform upgrades. The company demonstrated a promising outlook for its retirement business, despite facing challenges such as an increase in nonperforming assets and a decline in fee income. The overall tone was one of strategic growth and careful risk management.</p>
<div class="lb-trans"><p>Alerus Financial Corporation 最近的財報電話會議傳達了一種謹慎樂觀的情緒，強調其銀行業務部門的強勁有機增長和成功的平台升級。儘管面臨不良資產增加和手續費收入下降等挑戰，公司對其退休業務展現了良好的前景。整體語氣體現了戰略增長和謹慎的風險管理。</p>
</div><h2>Strong Organic Growth in Banking Segments</h2>
<div class="lb-trans"><h2>銀行業務部門的強勁有機增長</h2>
</div><p>Alerus Financial Corporation reported robust organic growth in its banking segments, driven by both commercial and private banking. This growth was attributed to the expertise and experience of its team of bankers, which has been pivotal in expanding the company’s market presence and customer base.</p>
<div class="lb-trans"><p>Alerus Financial Corporation 報告稱，其銀行業務部門實現了強勁的有機增長，主要得益於商業銀行和私人銀行的推動。這一增長歸功於其銀行團隊的專業知識和經驗，這對擴大公司的市場影響力和客户基礎至關重要。</p>
</div><h2>Successful Platform Upgrade in Wealth Management</h2>
<div class="lb-trans"><h2>財富管理領域成功的平台升級</h2>
</div><p>The company successfully completed a major platform upgrade in its wealth management division. This enhancement is expected to significantly improve both client and adviser experiences, facilitating future recruitment and client growth, and positioning the company for continued success in this area.</p>
<div class="lb-trans"><p>公司在其財富管理部門成功完成了一次重大平台升級。這一提升預計將顯著改善客户和顧問的體驗，促進未來的招聘和客户增長，併為公司在該領域的持續成功奠定基礎。</p>
</div><h2>Capital and Risk Management Achievements</h2>
<div class="lb-trans"><h2>資本和風險管理成就</h2>
</div><p>Alerus achieved notable milestones in capital and risk management, with capital accretion boosting the tangible common equity (TCE) ratio to over 8%. The tangible book value grew by nearly 5%, and the company returned $5.3 million to shareholders through dividends, reflecting its commitment to shareholder value.</p>
<div class="lb-trans"><p>Alerus 在資本和風險管理方面取得了顯著里程碑，資本積累使得有形普通股權益（TCE）比率超過 8%。有形賬面價值增長近 5%，公司通過分紅向股東返還了 530 萬美元，體現了其對股東價值的承諾。</p>
</div><h2>Promising Outlook for Retirement Business</h2>
<div class="lb-trans"><h2>退休業務的良好前景</h2>
</div><p>The retirement segment of Alerus remains a national leader with significant growth opportunities. The company expressed a bullish outlook, supported by favorable legislative developments and industry growth rates, which are expected to drive further expansion in this segment.</p>
<div class="lb-trans"><p>Alerus 的退休部門仍然是全國領先者，擁有顯著的增長機會。公司表達了樂觀的前景，得益於有利的立法發展和行業增長率，預計將推動該部門的進一步擴張。</p>
</div><h2>Increased Net Interest Income and Stable Margins</h2>
<div class="lb-trans"><h2>淨利息收入增加和穩定的利差</h2>
</div><p>Alerus reported a 0.2% increase in net interest income over the previous quarter, with the net interest margin remaining stable at 3.50%. This stability is indicative of the company’s effective management of interest rate risks and pricing strategies.</p>
<div class="lb-trans"><p>Alerus 報告稱，淨利息收入較上季度增加 0.2%，淨利息利差保持在 3.50% 的穩定水平。這一穩定性表明公司在利率風險和定價策略方面的有效管理。</p>
</div><h2>Increase in Nonperforming Assets</h2>
<div class="lb-trans"><h2>不良資產增加</h2>
</div><p>The earnings call highlighted a rise in nonperforming assets, which reached 1.13% of total assets, marking an increase of 15 basis points from the prior quarter. This was primarily driven by challenges in a single commercial relationship, underscoring the importance of vigilant risk management.</p>
<div class="lb-trans"><p>財報電話會議強調不良資產的上升，已達到總資產的 1.13%，較上季度增加 15 個基點。這主要是由於單一商業關係面臨的挑戰，突顯了警惕風險管理的重要性。</p>
</div><h2>Fee Income Decline</h2>
<div class="lb-trans"><h2>手續費收入下降</h2>
</div><p>A decline in fee income was noted, with a 7.3% decrease from the prior quarter. However, when excluding one-time items, the decline was only 1%, suggesting that the core fee-generating activities remain relatively stable.</p>
<div class="lb-trans"><p>注意到手續費收入下降，較上季度減少 7.3%。然而，排除一次性項目後，下降幅度僅為 1%，這表明核心手續費產生活動仍然相對穩定。</p>
</div><h2>Challenges in Mortgage and Swap Income</h2>
<div class="lb-trans"><h2>抵押貸款和掉期收入的挑戰</h2>
</div><p>The company anticipates a seasonal slowdown in mortgage originations and a decrease in swap income, which tends to be volatile. These challenges highlight the need for strategic adjustments to mitigate the impact on overall income.</p>
<div class="lb-trans"><p>公司預計抵押貸款發放將出現季節性放緩，掉期收入也將減少，這通常是波動的。這些挑戰突顯了進行戰略調整以減輕對整體收入影響的必要性。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指導</h2>
</div><p>Alerus Financial Corporation provided detailed forward-looking guidance, projecting to end 2025 with over $4.1 billion in loans and $4.3 billion in total deposits, with mid-single-digit growth expected for 2026. The net interest margin is forecasted to be between 3.35% to 3.45% for 2026, driven by disciplined pricing strategies. Noninterest income is expected to close at approximately $115 million for 2025, with growth anticipated in 2026. The company aims to maintain a strong reserve level and achieve a tangible common equity ratio above 8%, focusing on disciplined growth and innovation.</p>
<div class="lb-trans"><p>Alerus Financial Corporation 提供了詳細的前瞻性指導，預計到 2025 年底貸款將超過 41 億美元，總存款將達到 43 億美元，預計 2026 年將實現中個位數的增長。預計 2026 年的淨利息利差將在 3.35% 到 3.45% 之間，受紀律性定價策略的驅動。預計 2025 年的非利息收入將接近 1.15 億美元，2026 年將有增長。公司旨在保持強勁的儲備水平，並實現有形普通股權益比率超過 8%，專注於紀律性增長和創新。</p>
</div><p>In conclusion, Alerus Financial Corporation’s earnings call reflected a cautiously optimistic outlook, with strong growth in key areas and strategic initiatives aimed at managing risks and enhancing shareholder value. Despite some challenges, the company is well-positioned for future growth, leveraging its strengths in banking, wealth management, and retirement services.</p>
<div class="lb-trans"><p>總之，Alerus Financial Corporation 的財報電話會議反映出一種謹慎樂觀的前景，關鍵領域的強勁增長和旨在管理風險和增強股東價值的戰略舉措。儘管面臨一些挑戰，公司在未來增長方面處於良好位置，利用其在銀行、財富管理和退休服務方面的優勢。</p>
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Alerus Financial 的財報電話會議：在挑戰中實現戰略增長