Sure. No, we've backed out of titled fleet, over-the-road trucking, garment printers. We've pretty significantly reduced hotel and hospitality businesses. And all of that in favor of investments that we have made and will be making in the sales force in that area to kind of focus on some of the core examples, which the core kind of positives are these $30,000 to $40,000 loans and manufacturing equipment, landscaping equipment, plumbing, areas like that.

Oct 22, 2024 / receipt, needs a key / Tyler, other | earnings call 2024-10-22 | transcript d0cc14b4-0195-47db-84c8-b58ade99fee5 | chars 23911-24368 | segment 24

(31) the possibility that the anticipated benefits of the proposed Citizens merger, including expected revenue synergies and cost savings, will not be realized or will not be realized within expected time periods;

filing / Jul 30, 2026 / receipt

Travel and entertainment expense 726 583 713 1,309 1,213 Communication expense 605 589 712 1,194 1,446 Marketing expense 604 886 718 1,490 1,621 Other non-interest expense $ 3,840 $ 4,110 $ 4,246 $ 7,950 $ 8,849 Data processing and software expenses for the second quarter and the first six months of 2026 increased compared to the linked quarter and the same periods in 2025 due to costs associated with recent

filing / Jul 30, 2026 / receipt

Travel and entertainment expense 10 - - 10 - Other non-interest expense 10 - - 10 - Total acquisition-related non-interest expense 410 16 - 426 - Non-interest expense excluding acquisition-related expense: Salaries and employee benefit costs 40,012 39,835 38,893 79,847 78,714 Data processing and software expense 7,850 7,536 7,356 15,386 14,361 Net occupancy and equipment expense 5,765 6,223 5,690 11,988 1

filing / Jul 30, 2026 / receipt

Travel and entertainment expense 583 500 Other non-interest expense 4,110 4,603 Total non-interest expense 71,635 70,787 Income before income taxes 37,345 31,377 Income tax expense 8,339 7,041 Net income $ 29,006 $ 24,336 Earnings per common share - basic $ 0.82 $ 0.69 Earnings per common share - diluted $ 0.81 $ 0.68 Weighted-average number of common shares outstanding - basic 35,108,649 34,895,723

filing / Apr 30, 2026 / receipt

(36) the possibility that the anticipated benefits of the proposed Citizens Merger, including expected revenue synergies and cost savings, will not be realized or will not be realized within expected time periods;

filing / Apr 30, 2026 / receipt

Travel and entertainment expense 583 556 500 Communication expense 589 589 734 Franchise tax expense 1,004 845 929 Other non-interest expense 4,110 4,166 4,603 Data processing and software expenses for the first quarter of 2026 increased compared to the linked quarter and same period in 2025 due to costs associated with recent technology projects.

filing / Apr 30, 2026 / receipt

Non-interest expense grew 3%, compared to 2024

ir_statement / Sep 16, 2026 / receipt

The efficiency ratio grew compared to the linked quarter, and was higher compared to the full year of 2024

ir_statement / Sep 16, 2026 / receipt

The increase was due to higher salaries and employee benefit costs, as well as data processing and software expenses

ir_statement / Sep 16, 2026 / receipt

This will result in annual savings of around $1 million, and has an expected tangible book value earnback period of less than one year

ir_statement / Sep 16, 2026 / receipt

ESCALATION IN EXPENSE WAS DUE TO ACQUISITIONS AND ORGANIC GROWTH

ir_statement / Sep 16, 2026 / receipt

For the first six months of 2026, non-interest expense increased 2%

ir_statement / Sep 16, 2026 / receipt