Diligent expense management continues to be a focus of our organization.

Jan 28, 2026 / receipt, needs a key / Dwayne Dooley, CEO | earnings call 2026-01-28 | transcript 1802e315-d7c6-4212-8fca-84e0951599c0 | chars 4589-4661 | segment 4

Well, expense management and efficiency has been a major focus of our Fit to Grow program. We found it a challenging time, I guess, in that arena, just simply the inflationary pressures, wage pressures, and, you know, at the same time, trying to initiate growth initiatives like Atlanta Equipment Finance, the system changes, and so on. We haven't changed our guidance at this point on expenses to that mid-single-digit range of increase. As we report in the fourth quarter and look into 2023, we'll be given some additional guidance in what we see in 23 and the efficiencies and things that Barry noted with some of these system changes, as well as, you know, a handle and maybe less new additional associate compensation and so on in the process.

Oct 26, 2022 / receipt, needs a key / Barry, other | earnings call 2022-10-26 | transcript 41303a95-2746-46fe-af78-d97a2b2cd033 | chars 30707-31455 | segment 29

The offset to some of that is truly general inflationary pressures that we're seeing in virtually all categories, which is travel and expenses.

Jul 27, 2022 / receipt, needs a key / Tom, other | earnings call 2022-07-27 | transcript 3ef89696-a44b-43c3-a21b-0b2dd000b954 | chars 23206-23349 | segment 23

Equipment expense in the second quarter totaled $7.3 million, an increase of $269 thousand, or 3.8%, linked-quarter principally attributable to technology investments including the core deposit conver

ir_statement / Sep 16, 2026 / receipt

Adopt a mindset that embraces growth, innovation and efficiency while maintaining core values and sound risk management practices

ir_statement / Sep 16, 2026 / receipt

Pursue efficiency opportunities through adoption of technology, redesign of workflows and workforce structure

ir_statement / Sep 16, 2026 / receipt

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company_statement / Sep 16, 2026 / receipt

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company_statement / Sep 1, 2026 / receipt

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company_statement / Sep 1, 2026 / receipt

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