1Q26 adjusted expense excluding deferred compensation decreased $32 million versus 4Q25

ir_statement / Sep 14, 2026 / receipt

Disciplined expense management to start the year

ir_statement / Sep 14, 2026 / receipt

Outside services decreased by $26 million mostly driven by the completion of technology, risk, and product initiatives and reduced marketing expense

ir_statement / Sep 14, 2026 / receipt

Efficiency ratio 58.5%

ir_statement / Sep 14, 2026 / receipt

FTEs (full-time equivalent associates) 7,369

ir_statement / Sep 14, 2026 / receipt

Expense discipline continues through the first half of 2026

ir_statement / Sep 14, 2026 / receipt

Other noninterest expense decreased by $8 million primarily driven by timing of new account promotions

ir_statement / Sep 14, 2026 / receipt

Outside services increased by $10 million mostly driven by marketing, partially offset by client cash incentive payout reductions noted in other noninterest expense, which reflects marketing campaign

ir_statement / Sep 14, 2026 / receipt