Our priorities and expectations for 2026 remain unchanged, what we communicated in our last earnings call. We expect loan growth in the low to mid single-digit range while continuing to prioritize further diversification across the portfolio. Our focus remains on growing deposits to support loan growth while preserving a stable, well-balanced funding profile. Key priorities include deepening existing customer relationships, attracting new clients, and further strengthening our cold deposit base. with a particular emphasis on growing non-interest-bearing deposits. We remain committed to discipline expense management. While we are making selective investment in talent and technology to support our long-term growth strategy, we continue to operate efficiently, emphasizing initiatives that enhance productivity and maintain cost discipline across the organization. Finally, we'll continue to take a prudent approach to credit management to preserve strong asset quality. Conservative underwriting practices, active portfolio oversight, and rigorous risk analysis remain central to our operating philosophy and will guide our decision-making as economic conditions evolve.

Apr 21, 2026 / receipt

Combined with the discipline expense management, these efforts translate into higher earnings and improved profitability.

Sep 7, 2026 / receipt / Bonnie Lee, CEO | earnings call 2026-09-07 | transcript 3508e2c4-c82d-4cae-abc9-b4a3e03d4e70 | chars 2820-2941 | segment 2

Maintain disciplined expense management. will invest selectively in talent, technology, and growth initiatives while maintaining a strong focus on productivity and operating efficiency.

Jul 21, 2026 / receipt, needs a key / Bonnie Lee, CEO | earnings call 2026-07-21 | transcript 894751d1-2703-4f9e-871d-464ef20d1e57 | chars 14466-14651 | segment 15

Our priorities and expectations for 2026 remain unchanged, what we communicated in our last earnings call. We expect loan growth in the low to mid single-digit range while continuing to prioritize further diversification across the portfolio. Our focus remains on growing deposits to support loan growth while preserving a stable, well-balanced funding profile. Key priorities include deepening existing customer relationships, attracting new clients, and further strengthening our cold deposit base. with a particular emphasis on growing non-interest-bearing deposits. We remain committed to discipline expense management. While we are making selective investment in talent and technology to support our long-term growth strategy, we continue to operate efficiently, emphasizing initiatives that enhance productivity and maintain cost discipline across the organization. Finally, we'll continue to take a prudent approach to credit management to preserve strong asset quality. Conservative underwriting practices, active portfolio oversight, and rigorous risk analysis remain central to our operating philosophy and will guide our decision-making as economic conditions evolve.

Apr 21, 2026 / receipt, needs a key / Bonnie Lee, CEO | earnings call 2026-04-21 | transcript 8a0103a6-4477-4b7b-a48b-4cb6541b9393 | chars 14030-15208 | segment 14

Our efforts will continue to focus on deepening existing customer relationships, attracting new accounts, and strengthening our cold deposit franchise with a particular emphasis on non-interest-bearing deposits Third, we intend to sustain our commitment to discipline expense management. While we are investing selectively in talent and technology to support our long-term growth, we remain focused on operating efficiently, prioritizing initiatives that drive productivity, and maintaining cost discipline across the organization.

Jan 27, 2026 / receipt, needs a key / Bonnie Lee, CEO | earnings call 2026-01-27 | transcript 8a19f476-ae9b-4441-805a-d32f30d769e4 | chars 14992-15523 | segment 15

We are off to a good start to the year with a strong deposit growth another quarter of a margin expansion, and continued discipline expense management.

Apr 22, 2025 / receipt, needs a key / Bonnie Lee, CEO | earnings call 2025-04-22 | transcript d5c8864b-e825-485d-96a4-a9a6a96df02b | chars 2400-2551 | segment 2

Throughout 2024, we focused on managing the factors within our control as we navigated constantly evolving and dynamic market environment. We continued to execute our strategy, leveraging our proven relationship banking model to further grow and diversify our customer base and loan portfolio. We maintained a sharp focus on prudent credit administration and disciplined expense management and we made meaningful progress in advancing our corporate career initiative.

Jan 28, 2025 / receipt, needs a key / Bonnie Lee, CEO | earnings call 2025-01-28 | transcript 87907aa8-6ea3-4ff8-ade4-753ddb4a0a15 | chars 3392-3859 | segment 3

We are committed to disciplined expense management, and finally, we are expanding our geographic reach with the opening of a branch in the Atlanta metropolitan region later this year.

Jul 23, 2024 / receipt, needs a key / Bonnie Lee, CEO | earnings call 2024-07-23 | transcript b59df001-bcdf-4e4c-a4a6-7b17066f5cfe | chars 14591-14774 | segment 14

Noninterest expense was $39.0 million for the second quarter, up 1.7% from the first quarter, principally due to an increase in salaries and benefits from an additional business day in the second quar

ir_statement / Sep 16, 2026 / receipt

Noninterest expense was $39.0 million for the second quarter, up 1.7% from the first quarter, principally due to an increase in salaries and benefits from an additional business day in the second quar

ir_statement / Sep 15, 2026 / receipt

Noninterest expense was $39.0 million for the second quarter, up 1.7% from the first quarter, principally due to an increase in salaries and benefits from an additional business day in the second quar

ir_statement / Sep 15, 2026 / receipt

Noninterest expense was $39.0 million for the second quarter, up 1.7% from the first quarter, principally due to an increase in salaries and benefits from an additional business day in the second quar

ir_statement / Sep 15, 2026 / receipt

Noninterest expense was $39.0 million for the second quarter, up 1.7% from the first quarter, principally due to an increase in salaries and benefits from an additional business day in the second quar

ir_statement / Sep 15, 2026 / receipt

Noninterest expense was $39.0 million for the second quarter, up 1.7% from the first quarter, principally due to an increase in salaries and benefits from an additional business day in the second quar

ir_statement / Sep 14, 2026 / receipt

Includes a $0.6 million and $0.8 million gain from the sale of OREO properties in 2Q25 and 1Q26, respectively.

ir_statement / Sep 8, 2026 / receipt

Strong average loan growth reflecting a 9% CAGR since 2013

ir_statement / Aug 8, 2026 / receipt

Average noninterest-bearing deposits have grown by 8% CAGR since 2013 and now represents 29% of total deposits.

ir_statement / Aug 8, 2026 / receipt

Strong deposit growth reflecting a 9% CAGR since 2013.

ir_statement / Aug 8, 2026 / receipt

2020-22 net income reflected the effect of the pandemic and the gradual receding from its uncertainties ending in 2022 with $101 million in net income.

ir_statement / Aug 8, 2026 / receipt

2023-24 observed the lagging effect of the 500-bps increase in the Federal funds rate.

ir_statement / Aug 8, 2026 / receipt