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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
1st Source
1st Source (SRCE) investor relations material
1st Source Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Record Q3 net income was $49.54M, up 17.13% YoY; diluted EPS rose 18.71% to $2.03.
9M net income was $137.05M versus $117.13M; earnings benefited from higher net interest and noninterest income and lower credit-loss provision, partly offset by higher expense.
Financial highlights
Q3 GAAP net interest income was $95.59M; FTE net interest income was $95.74M, up 7.69% YoY. 9M GAAP net interest income was $278.87M versus $254.88M.
Q3 noninterest income was $24.70M, up 12.74% YoY; 9M noninterest income was $72.72M versus $68.07M.
Q3 noninterest expense was $55.22M; 9M expense rose to $164.77M from $160.28M.
Q3 results included $3.82M in pretax realized losses from AFS securities sales and a $1.00M charitable contribution.
Assets were $9.34B, loans and leases $7.34B, and deposits $7.47B at Sept. 30, 2026; loans grew 4.18% and deposits 3.37% from year-end 2025.
Outlook and guidance
The credit forecast weights downside risks over the next two years; elevated inflation may persist, and a return to the Fed’s 2% target could be protracted.
Forecast assumptions shift a greater share of expected risk later in the horizon, without reducing the overall macroeconomic risk assessment.
Geopolitical events, trade policies, energy prices, inflation, and consumer stress remain relevant to future loss estimates.
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Latest events from 1st Source
- Margin expansion lifted earnings, while higher rates pressured securities values and increased uncertainty.SRCE
Q4 2022 - Earnings advanced, but rising credit stress and market disruption clouded the outlook.SRCEQ4 2008
- Lower credit provisions lifted earnings as nonperforming assets fell, but credit risks persisted.SRCEQ4 2011
- Loan growth and cleaner credit offset rising costs, leaving earnings flat amid low rates.SRCEQ4 2015
- Record earnings were fueled by PPP fees and credit recovery amid subdued loan growth.SRCEQ4 2021
- Record earnings and stronger lending growth came with higher credit costs and continued technology investment.SRCEQ4 2017
- Record earnings rebounded, but credit risks remained elevated despite CPP repayment.SRCEQ4 2010
- Higher FY12 earnings and loan growth, tempered by credit and market risks.SRCEQ4 2012
- Higher credit losses cut FY09 earnings as nonperforming assets surged and TARP bolstered capital.SRCEQ4 2009
- Loan growth was outweighed by higher credit costs, mortgage weakness and securities impairment.SRCEQ4 2007
Next 1st Source earnings date
Q4 202621 Jan, 2027
1st Source
Next 1st Source earnings date
Q4 202621 Jan, 2027
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Frequently asked questions
1st Source Corporation serves as a bank holding company for 1st Source Bank. This institution delivers a comprehensive range of financial products and services tailored to meet the needs of both individual and business clients. Among the array of consumer banking offerings are checking and savings accounts, certificates of deposit, individual retirement accounts, online and mobile banking solutions, consumer loans, real estate mortgage loans, home equity lines of credit, and financial planning services, along with debit and credit cards. For its commercial clientele, 1st Source provides loans for various purposes including financing for industrial and commercial properties, equipment, inventories, accounts receivables, renewable energy, and acquisition financing, in addition to commercial leasing, treasury management, and retirement planning services. The company also extends trust, investment, agency, and custodial services, encompassing administration of estates and personal trusts as well as management of investment accounts for individuals, employee benefit plans, and charitable foundations. 1st Source Corporation is headquartered in South Bend, Indiana, and its shares are listed on the Nasdaq.