I mean, everybody has an important role to play and my management committee works very well together and have been knocking off the kinds of things that are necessary to do in these kinds of mergers, everything from employee benefits to, um, consolidating contracts for services all the technology stuff is well underway that was done very early on the selections were made and so we're about execution at this point and we've got the banking centers all set up under chief banking officer Mike McCurdy we have six regions given the footprint that we have and so we have decentralized all of the support for those regions and As I travel around the land, I feel very good about the people that I'm meeting and the enthusiasm that they're bringing to this new adventure for everybody. So this is a lot different for everybody, but the optimism is there and the talent is there.

Oct 30, 2025 / receipt, needs a key / Paul Perl, CEO | earnings call 2025-10-30 | transcript 780960c7-b6df-4b6f-b66c-a73038593859 | chars 18535-19411 | segment 19

While we can't control for the macro environment, we are intently focused on controlling what we can and have several levers, including rigorous expense management, opportunistic hiring for deposit and loan growth, and proactive asset quality management.

Apr 18, 2024 / receipt, needs a key / Nitin Mahatre, CEO | earnings call 2024-04-18 | transcript b84923db-3090-430e-a7bc-9fc2a29aac41 | chars 13865-14119 | segment 14

And I'd focus on our comments around what we're doing, trying to change the focus of expense management in the company. That's the real message.

Apr 18, 2024 / receipt, needs a key / David, other | earnings call 2024-04-18 | transcript b84923db-3090-430e-a7bc-9fc2a29aac41 | chars 24602-24746 | segment 25

We expect that in 2024, the operating environment will continue to be challenging. While we cannot control the macro environment, we are focused on controlling what we can and have several levers, including rigorous expense management, opportunistic hiring for deposits and loan growth, and de-risking the balance sheet.

Jan 25, 2024 / receipt, needs a key / Nitin Mahatre, CEO | earnings call 2024-01-25 | transcript 4267d170-f576-4993-84a5-251eec33bd12 | chars 14705-15025 | segment 15

We have unique opportunities for optimization. Through our legacy acquisitions, we do have excess real estate that I think we can easily rationalize. We have channels that we can rationalize. We have procurement opportunities that we're exploring and deploying more technology in there. Automation opportunities that are kind of there for most organizations, we believe we have some of those as well. And on a day-to-day basis, we have what I think David had referred to in the last quarter, an internal process. We call it MBRAC. It's an expense management and resource allocation kind of council that looks at every dollar of spend in pretty low thresholds that we track to make sure every dollar is spent thoughtfully and where there are opportunities to rationalize that and make it more efficient. the team is coming back with solutions to do that. So I think it's just the culture of efficiency that we're building that's going to create more opportunities for us.

Jan 25, 2024 / receipt, needs a key / Nitin, other | earnings call 2024-01-25 | transcript 4267d170-f576-4993-84a5-251eec33bd12 | chars 28725-29695 | segment 29

As I've said previously, we are committed to managing expenses with discipline and transparency. We are taking a very granular approach to expense management that will have the desired impact of reducing our expense base. we are committed to ensuring that every dollar we spend is thoughtful and necessary to run the bank efficiently or to grow our revenue and earnings.

Jan 25, 2024 / receipt, needs a key / David Rosado, CFO | earnings call 2024-01-25 | transcript 4267d170-f576-4993-84a5-251eec33bd12 | chars 9815-10185 | segment 10

We have instituted biweekly meetings in which every vendor expense of $25,000 or more and every request for new hires as well as replacement hires above a preset grade level. This granular approach to expense management is starting to have the desired impact of reducing our expense base. This strategy will ensure that every dollar is thoughtfully spent and is necessary to run the bank efficiently or to grow our revenue and earnings.

Oct 20, 2023 / receipt, needs a key / David Rosado, CFO | earnings call 2023-10-20 | transcript 5745a4f1-204d-43ec-9312-18e4496340cc | chars 8939-9375 | segment 9

We also believe that increased regulatory costs will impact the industry, but are likely to impact larger regional banks or money center banks much more than community banks like Berkshire. While we can't operate or control the macro environment, we're focused on controlling what we can and have several levers, including opportunistic hiring for deposit growth, de-risking the balance sheet, and rigorous expense management.

Oct 20, 2023 / receipt, needs a key / Nitin Mahatrey, CEO | earnings call 2023-10-20 | transcript 5745a4f1-204d-43ec-9312-18e4496340cc | chars 12801-13227 | segment 13

We will similarly overcome the current challenges, especially deposits growth and expense management. We remain focused on selective, responsible, and profitable organic growth and are confident that we will get bigger while getting better.

Oct 20, 2023 / receipt, needs a key / Nitin Mahatrey, CEO | earnings call 2023-10-20 | transcript 5745a4f1-204d-43ec-9312-18e4496340cc | chars 13340-13580 | segment 13

Yeah, probably. As you mentioned, we brought it down quite a bit from where we were in the first half of the year. In Q2, it was a little elevated when we were going through the government shutdown business. We wanted to have a more liquid balance sheet. Who knows if we're going to be dealing with that again or not. But aside from that, generally, we would generally concur there's the ability to break cash levels down.

Oct 20, 2023 / receipt, needs a key / Nick, CFO | earnings call 2023-10-20 | transcript 5745a4f1-204d-43ec-9312-18e4496340cc | chars 27530-27952 | segment 28

While we can't control the macro environment, we are focused on controlling what we can and have several levers, including opportunistic hiring, de-risking our balance sheet, and prudent expense management.

Jul 20, 2023 / receipt, needs a key / Nitin Mahatre, CEO | earnings call 2023-07-20 | transcript 4b9c8692-8635-49c7-9a59-bf8c0b547d25 | chars 16231-16437 | segment 16

We expect average loan growth of 11 to 12% and average deposit growth of 3% to 5%. With a full year of higher rates in 2023, we expect the net interest income to be up 15% to 16%. Fee revenues are forecast to continue to face headwinds and be down 10% to 12%, but I note that of that decline, most of it is due to tax credit amortization. We are targeting $7 million to $9 million of credit provision expense per quarter, which is largely a function of our expected loan growth. For context, our 10-year average provision to loans is about 30 to 35 basis points. We expect to maintain positive operating leverage with approximately 4% growth in expenses in 2023, driven by wage inflation, technology investment, and higher deposit insurance costs. We believe this expense growth will still differentiate our disciplined expense management versus our peers.

Jan 26, 2023 / receipt, needs a key / Brett Brubovic, Chief Accountant and Interim CFO | earnings call 2023-01-26 | transcript f325fb62-3b1a-4be0-92ab-948b96e6e70b | chars 16876-17732 | segment 17

Total operating expense decreased $0.5 million.

ir_statement / Sep 15, 2026 / receipt

COST SYNERGIES AT ANNOUNCEMENT:

ir_statement / Sep 15, 2026 / receipt

No additional merger related charges are expected for the remainder of 2026.

ir_statement / Sep 15, 2026 / receipt

The core system conversion occurred in February 2026 and is on target to meet original operating expense targets in 2Q26.

ir_statement / Sep 15, 2026 / receipt