Expense management remains a top priority for our bank. This focus is evident in our decision to consolidate nine Banking Centers, and eliminate a total of 66 positions across various divisions.

Jul 16, 2026 / CEO / receipt, needs a key / Joe Turner, CEO | earnings call 2026-07-16 | transcript 2a4b3b1f-5deb-4146-bc94-9b2aa66482b3 | chars 4815-5009 | segment 4

Our operating metrics remain sound, supported by disciplined expense management, careful balance sheet positioning, and our ongoing emphasis on relationship-based banking.

Jul 16, 2026 / CEO / receipt, needs a key / Joe Turner, CEO | earnings call 2026-07-16 | transcript 2a4b3b1f-5deb-4146-bc94-9b2aa66482b3 | chars 1764-1935 | segment 1

Expense management remains a top priority as well.

Oct 16, 2025 / CEO / receipt, needs a key / Joe Turner, CEO | earnings call 2025-10-16 | transcript a7ae27b4-311d-4685-8b57-30d59e680eab | chars 4748-4798 | segment 4

Expense management remains a top priority for us as well.

Jul 17, 2025 / CEO / receipt, needs a key / Joe Turner, CEO | earnings call 2025-07-17 | transcript 9c0b6d8e-b0fe-45a4-827a-edf4e4356a22 | chars 5242-5299 | segment 5