Our efficiency ratio strengthened to 52.28%, reflecting disciplined expense management and operating leverage.

Oct 24, 2025 / receipt, needs a key / Luis de la Aguilera, CEO | earnings call 2025-10-24 | transcript 4fd9fe9d-e1af-4306-a562-61066b7a257c | chars 1624-1734 | segment 1

We started last year probably a more robust travel schedule than we've ever had. I think in the last quarter and a half of the year, we literally visited all the banks that are borrowing banks, and we saw deposits grow relatively quickly after that. This is very much a relationship-driven strategy, and our executive team who runs it has had almost 40 years in the business. He travels with his successor. He knows these banks very well. They know him and by extension us.

Jul 25, 2025 / receipt, needs a key / Luis de la Aguilera, CEO | earnings call 2025-07-25 | transcript 2cdda43a-0eb5-43af-abcd-9d70c16559ca | chars 17575-18048 | segment 18