And then on the revenue side, you know, we have indicated previously and will continue to focus on driving our ability to generate more CNI commercial deposit, commercial loan business with less reliance on commercial real estate. And so as those resources and skill sets become available, we certainly want to attract that to the organization. But my comments with regard to expense management and the short-term actions we're taking there, it's really about looking at where we have our expectation, as we've certainly mentioned, is that our volume of lending is going to be off. this year as we focus on deposit gathering. And we want to make sure we're aligning from kind of front line to back office in accordance with the realities of the market and market demand at the same time while we build in areas we need to build.

Apr 20, 2023 / receipt, needs a key / Dan, other | earnings call 2023-04-20 | transcript 206339f2-91cf-4b90-b5f7-60c474ff7cba | chars 28549-29377 | segment 29

strategic branch closing and related facility consolidation costs (principally composed of real estate, leases and other asset write downs, as well as severance and expense reduction initiatives)

ir_statement / Sep 16, 2026 / receipt

strategic cost savings initiatives (principally composed of severance charges related to headcount reductions, costs related to modifying certain third party vendor contracts, and charges for exiting

ir_statement / Sep 16, 2026 / receipt

strategic branch closing and facility consolidation costs (principally composed of real estate, leases and other asset write downs, as well as severance and expense reduction initiatives)

ir_statement / Sep 16, 2026 / receipt

strategic cost savings initiatives (principally composed of severance charges related to headcount reductions, costs related to modifying certain third party vendor contracts, and charges for exiting

ir_statement / Sep 16, 2026 / receipt

A decrease in noninterest expense, primarily driven by a $29.6 million decrease in pre-tax merger-related costs and a $2.3 million decrease in amortization of intangible assets.

ir_statement / Sep 16, 2026 / receipt

A $1.9 million decrease in technology and data processing expense

ir_statement / Sep 16, 2026 / receipt

Organic expansion in North Carolina planned in 2026

ir_statement / Sep 16, 2026 / receipt

A decrease in noninterest expense, primarily driven by a $29.6 million decrease in pre-tax merger-related costs and a $2.3 million decrease in amortization of intangible assets.

ir_statement / Sep 16, 2026 / receipt

Other expenses 10,060 13,160 (3,100) (23.6%)

ir_statement / Sep 16, 2026 / receipt

Professional services 5,768 8,044 (2,276) (28.3%)

ir_statement / Sep 16, 2026 / receipt

Organic expansion in North Carolina planned in 2026

ir_statement / Sep 16, 2026 / receipt

severance charges related to headcount reductions, costs related to modifying certain third party vendor contracts, and charges for exiting certain leases

ir_statement / Sep 16, 2026 / receipt