We maintained disciplined expense management while continuing to invest strategically for long-term growth. Our adjusted tangible efficiency ratio was 49.8%, as expected at this stage of the merger integration. We incurred $51 million of non-recurring merger expenses during the quarter, primarily related to personnel and technology-related integration costs. On a linked quarter basis, adjusted non-interest expense was down 2%, as realized merger synergies and seasonally lower personnel costs more than offset continued investments in revenue producers and technology.

Jul 23, 2026 / CFO / receipt, needs a key / Jamie Gregory, CFO | earnings call 2026-07-23 | transcript d7e19457-de32-4a5e-9ae7-b50171e77063 | chars 11056-11628 | segment 11