Proven expense management remains a top priority, reflecting our commitment to maintaining the positive operating leverage we have achieved.

Apr 24, 2026 / receipt, needs a key / Jack Grant, CFO | earnings call 2026-04-24 | transcript 46ed95e8-7c9f-4a2e-8ebf-6558089cc083 | chars 13623-13763 | segment 13

We remain intently focused on expense management as we finish 2025 and move into 2026 in order to maintain positive operating leverage and a favorable efficiency ratio.

Oct 24, 2025 / receipt, needs a key / Jack Plance, CFO | earnings call 2025-10-24 | transcript a2116647-212d-40fa-8dcc-ce95c309c02a | chars 14361-14529 | segment 14

We remain focused on effective expense management, even as we invest in our people, processes, and technology to support our future growth and performance.

Apr 29, 2025 / receipt, needs a key / Jack Plans, CFO | earnings call 2025-04-29 | transcript 83d83806-cef6-4492-9cf8-60341a82bbe2 | chars 14483-14638 | segment 14

Overall, our performance targets in 2025 are focused on profitability first and foremost. We are not focused simply on growth. We are focused on profitable growth. We are not just focused on expense management. We are prioritizing investments that support incremental revenue generation and efficiency in how we operate.

Jan 31, 2025 / receipt, needs a key / Jack Clamp, CFO | earnings call 2025-01-31 | transcript 1a7310e3-261e-43b6-95ee-49e56413b5df | chars 16119-16439 | segment 16

I think incremental rate cuts would still help if you get them. uh and you're pretty conservative on your your long growth expectations so just curious um maybe talk a little bit about your confidence level there and then what is the primary risk do you think as you look at 2025 of kind of missing that mark so loan growth certainly influences our ability to achieve the efficiency ratio we've demonstrated a very strong corporate responsibility as it pertains to expense management but about 80% of our revenue stream is driven by non-interest income, and our margin expansion, as I mentioned earlier, is really influenced by the roll-on yield of the loan portfolio coming in above what's rolling off.

Jan 31, 2025 / receipt, needs a key / William Boschelli, M.D. | earnings call 2025-01-31 | transcript 1a7310e3-261e-43b6-95ee-49e56413b5df | chars 24384-25087 | segment 24