Turning to expenses, we delivered another quarter of prudent expense management, putting us on track to achieve our 2026 expense guidance range of $215 million to $220 million, excluding reorganizational costs.

May 6, 2026 / CFO / receipt, needs a key / Dean Mitchell, CFO | earnings call 2026-05-06 | transcript 13183330-1f41-4f06-92e3-0edf6531f1e1 | chars 4750-4960 | segment 4

We delivered another quarter of strong expense management with expenses that were down year over year despite the ongoing inflationary environment. We are pleased with our disciplined cost management year to date, and Dean will discuss the improved expectations for the remainder of 2025.

Nov 6, 2025 / CFO / receipt, needs a key / Dean Mitchell, CFO | earnings call 2025-11-06 | transcript a152f0e6-78af-4829-92e9-aa81bac3f097 | chars 5441-5729 | segment 5