solid. Organic loan growth hit a three-year high. Net interest margin expanded meaningfully, and we had 13% year-over-year fee income growth. Our credit quality remained strong, and we returned significant capital to shareholders. Importantly, beyond the financial results, we co

Jul 24, 2026 / receipt

We remain focused on expense management, and as we've previously stated, we have a goal to reduce costs by $350 million in 2026 through our continuous improvement program, which is independent of the first bank acquisition. And this program will continue to fund a significant portion of our ongoing business and technology investments.

Apr 15, 2026 / receipt, needs a key / Rob Riley, CFO | earnings call 2026-04-15 | transcript e2a7d359-65cf-4835-b236-0e70047cdd23 | chars 9663-9999 | segment 10

We remain focused on expense management, and as we've previously stated, we have a goal to reduce costs by $350 million in 2025 through our continuous improvement program.

Apr 15, 2025 / receipt, needs a key / Rob Riley, CFO | earnings call 2025-04-15 | transcript 1200fe5c-0bef-4160-a2e7-96390d876358 | chars 10430-10601 | segment 10

As we previously stated, we implemented expense management actions that will drive $750 million of cost savings in 2024. These actions include the $325 million workforce reduction effort last year, which was realized in our first quarter expense run rate, and our $425 million 2024 continuous improvement program goal. which we're well on track to achieve.

Apr 16, 2024 / receipt, needs a key / Rob Riley, CFO | earnings call 2024-04-16 | transcript 901c844d-2786-472f-8ad7-6254384280f3 | chars 11925-12281 | segment 12

We remain diligent in our expense management efforts, and these actions give us confidence that we'll keep our year-over-year expenses stable.

Apr 16, 2024 / receipt, needs a key / Rob Riley, CFO | earnings call 2024-04-16 | transcript 901c844d-2786-472f-8ad7-6254384280f3 | chars 12282-12424 | segment 12

Taken together, we're implementing $750 million of expense management actions, all of which are reflected in our 2024 guidance that I will cover in a few minutes.

Jan 16, 2024 / receipt, needs a key / Rob Riley, CFO | earnings call 2024-01-16 | transcript 7b262c9a-bca7-4628-93ad-923a129a1499 | chars 11438-11600 | segment 11

All told, we are implementing more than $725 million of expense management actions that will have impact on 2024.

Oct 13, 2023 / receipt, needs a key / Bill Demchek, CEO | earnings call 2023-10-13 | transcript 16f8f9a4-d625-4503-b468-8dea9b8cd3eb | chars 2787-2900 | segment 2

As Bill mentioned, we remain diligent in our expense management efforts, particularly when considering the current revenue environment. At the beginning of the year, we set a continuous improvement program goal of $400 million. Recently, we've identified initiatives that support increasing our CIP by an additional $50 million. raising our full-year target to $450 million. Further, we'll continue to look for additional efficiencies during the remainder of 2023, and importantly, as we begin to plan for 2024.

Jul 18, 2023 / receipt, needs a key / Rob Riley, CFO | earnings call 2023-07-18 | transcript 41d7fc78-4b76-49e5-8552-975eeac7e9ed | chars 11368-11879 | segment 11

But regardless of the path ahead macroeconomically, we believe having a strong balance sheet, a solid mix of fee-based businesses, continued focus on expense management and differentiated strategies for organic growth will continue to provide the foundation for our success.

Jul 15, 2022 / receipt, needs a key / Bill Domchek, CEO | earnings call 2022-07-15 | transcript 1df4c91a-c4f9-4ad7-8dc2-dac7c9e043cc | chars 2026-2300 | segment 2

We remain deliberate around our expense management, and as we've previously stated, we have a goal to reduce costs by $300 million in 2022 through our continuous improvement program, and we're confident we'll achieve our full-year target. As you know, this program funds a significant portion of our ongoing business and technology investments.

Jul 15, 2022 / receipt, needs a key / Rob Riley, CFO | earnings call 2022-07-15 | transcript 1df4c91a-c4f9-4ad7-8dc2-dac7c9e043cc | chars 11600-11944 | segment 11

We remain deliberate around our expense management, and as we've previously stated, we have a goal to reduce costs by $300 million in 2022 through our continuous improvement program. and we're confident we'll achieve our full-year target.

Jul 15, 2022 / receipt, needs a key / Rob Riley, CFO | earnings call 2022-07-15 | transcript 1df4c91a-c4f9-4ad7-8dc2-dac7c9e043cc | chars 65787-66025 | segment 67

Expenses continue to be well-controlled

ir_statement / Sep 17, 2026 / receipt

Expenses continue to be well-controlled

ir_statement / Sep 17, 2026 / receipt

Expenses continue to be well-controlled

ir_statement / Sep 17, 2026 / receipt

Expenses continue to be well-controlled

ir_statement / Sep 17, 2026 / receipt

Expenses Remain Well-Controlled and Aligned with Business Activity

ir_statement / Sep 16, 2026 / receipt

Total noninterest expense $4,098 $330 9% $715 21%

ir_statement / Sep 16, 2026 / receipt

Expenses Remain Well-Controlled and Aligned with Business Activity

ir_statement / Sep 16, 2026 / receipt

Noninterest expense, as adj. (non-GAAP) $3,837

ir_statement / Sep 16, 2026 / receipt

Total noninterest expense $4,098

ir_statement / Sep 16, 2026 / receipt

Expenses continue to be well-controlled

ir_statement / Sep 16, 2026 / receipt

Expenses continue to be well-controlled

ir_statement / Sep 16, 2026 / receipt

Expenses continue to be well-controlled

ir_statement / Sep 16, 2026 / receipt