Business development-related expenses (including advertising, travel, entertainment and contributions) totaled $10.0 million for the second quarter of 2026, virtually flat compared to the first quarter of 2026, as increases in advertising and promotion and travel expenses were offset by decreases in contributions, sponsorships and promotional campaign expenses.

filing / Aug 7, 2026 / receipt

Looking ahead, our acquisition of One Florida Bank, completed on August 1, 2026, will enhance our ability to bring our relationship-based approach to banking to customers across an expanded footprint in the Central Florida area.

filing / Aug 7, 2026 / receipt

The linked quarter increase was driven primarily by increases in salary expense as a result of annual merit increases and increased headcount, commissions and incentives associated with production, share-based compensation and certain employee benefits.

filing / Aug 7, 2026 / receipt

The year-over-year increase reflects increases in most components of this category, and reflects both expected annual increases in salary, incentives, bonus and associated benefit costs, and incremental expense associated with increased headcount that includes both Sabal associates and additional hires of revenue-producing and facility management associates.

filing / Aug 7, 2026 / receipt

• changes in expense to revenue (efficiency ratio), including the risk that we may not realize and/or sustain benefits from efficiency and growth initiatives or that we may not be able to realize cost savings or revenue benefits in the time period expected, which could negatively affect our future profitability;

filing / Aug 7, 2026 / receipt

Travel expense 1,635 2,301 1,232 Tax credit investment amortization 903 1,054 1,068 Printing and supplies 985 903 902 Net other retirement expense (5,311 ) (4,239 ) (3,884 ) Other miscellaneous 8,267 8,874 8,173 Total noninterest expense $ 220,748 $ 217,850 $ 205,059 Personnel expense consists of salaries, incentive compensation, long-term incentives, payrol

filing / May 7, 2026 / receipt

The linked quarter increase was primarily driven by seasonal increases in payroll taxes and certain employee benefits, and also includes increased commissions and incentives, increased headcount and a lesser benefit from salary deferrals associated with lending activities.

filing / May 7, 2026 / receipt

The year over year increase reflects increases in most components of this category, and reflects both expected annual increases in salary, incentives, bonus and associated benefit costs, and incremental expense associated with increased headcount that includes both Sabal associates and additional hires of revenue-producing associates.

filing / May 7, 2026 / receipt

Travel expense 1,635 1,232 Tax credit investment amortization 903 1,068 Printing and supplies 985 902 Net other retirement expense ( 5,311 ) ( 3,884 ) Other miscellaneous 8,267 8,173 Total other noninterest expense $ 21,941 $ 20,637 29 Table of Contents 10.

filing / May 7, 2026 / receipt

• changes in expense to revenue (efficiency ratio), including the risk that we may not realize and/or sustain benefits from efficiency and growth initiatives or that we may not be able to realize cost savings or revenue benefits in the time period expected, which could negatively affect our future profitability;

filing / May 7, 2026 / receipt

Loss Mitigation Administrator | {"ats": "workday", "city": "Hancock Whitney Center - New Orleans", "state": "LA", "job_id": "/job/Hancock-Whitney-Center---New-Orleans-LA/Loss-Mitigation-Administrator_

company_statement / Sep 16, 2026 / receipt

Private Banker 4 | {"ats": "workday", "city": null, "state": null, "job_id": "/job/Winter-Park---Winter-Park-FL/Private-Banker-4_R017791", "remote": false, "category": "other", "function": "other", "l

company_statement / Sep 16, 2026 / receipt