Then I would just say from a expense management, you know, I think we look at branch optimization to kind of offset some of the growth initiatives and then as well as technology investments to help improve efficiencies.

Oct 28, 2025 / CEO / receipt, needs a key / Scott Kingsley, CEO | earnings call 2025-10-28 | transcript 893ee44f-95df-45eb-836f-8c933f40aa2c | chars 15895-16114 | segment 16