continue to invest in organic growth, expanding into new markets through the opening of loan production offices in Northern Virginia and Knoxville, launching our new healthcare vertical, and optimizing our financial center network and digital banking capabilit

May 14, 2026 / receipt

While we remain focused on delivering disciplined expense management, we are making strategic investments to drive long-term value for our shareholders.

Apr 22, 2026 / receipt, needs a key / Dan Weiss, CFO | earnings call 2026-04-22 | transcript 9480db71-b0e6-4a11-bd27-5bb31d39911b | chars 14726-14878 | segment 14

Turning to expenses, as we've stated in the past, we remain focused on disciplined expense management to drive positive operating leverage and will continue our efforts throughout 2025.

Jan 23, 2025 / receipt, needs a key / Dan Weiss, CFO | earnings call 2025-01-23 | transcript 864dd24a-a0ba-4afa-b9a2-ec3d85c4289f | chars 18287-18472 | segment 18

MultiCard is a pay-in-full card issued to employees of established companies combining travel and entertainment, fleet cards, and purchasing cards into one.

Jan 24, 2024 / receipt, needs a key / Jeff Jackson, CEO | earnings call 2024-01-24 | transcript 76b08667-1ca4-43eb-af04-83c562daaf35 | chars 10294-10450 | segment 10

We remain focused on delivering disciplined expense management to drive positive operating leverage. And as Jeff mentioned in support of this, we're well into the transformation of our financial center network to optimize branch-level staffing and reallocate resources into additional revenue-generating hires.

Jan 24, 2024 / receipt, needs a key / Dan Weiss, CFO | earnings call 2024-01-24 | transcript 76b08667-1ca4-43eb-af04-83c562daaf35 | chars 19687-19997 | segment 19

We remain focused on disciplined expense management and generating positive operating leverage while continuing to invest in attractive long-term growth prospects.

Oct 26, 2023 / receipt, needs a key / Jeff Jackson, CEO | earnings call 2023-10-26 | transcript b30bb0ae-4b19-4f59-bc7d-93ede720c340 | chars 1986-2149 | segment 2

We remain focused on disciplined expense management while making appropriate investments that ensure a safe and sound financial institution with attractive long-term growth prospects.

Jul 26, 2023 / receipt, needs a key / Jeff Jackson, CEO | earnings call 2023-07-26 | transcript 503f0af6-ab46-4d61-9f4d-fc76b7603172 | chars 3488-3671 | segment 3

Further, we remain focused on disciplined expense management while making appropriate investments that ensure a safe and sound financial institution with attractive long-term growth prospects.

Jul 26, 2023 / receipt, needs a key / Jeff Jackson, CEO | earnings call 2023-07-26 | transcript 503f0af6-ab46-4d61-9f4d-fc76b7603172 | chars 37979-38171 | segment 37

After traveling with Todd the past couple of months to visit all of our markets and meet our wonderful employees, I can honestly say that my initial impression pales to my impression now.

Oct 25, 2022 / receipt, needs a key / Jeff Jackson, COO | earnings call 2022-10-25 | transcript 7ec68506-1dbb-4cf3-a7a7-034f125753c0 | chars 3009-3196 | segment 3

Looking forward to speaking with you in the near future at one of our upcoming investor meetings and introduce you guys to Jeff, who will be traveling with us to future meetings.

Oct 25, 2022 / receipt, needs a key / Todd Clawson, CEO | earnings call 2022-10-25 | transcript 7ec68506-1dbb-4cf3-a7a7-034f125753c0 | chars 32513-32691 | segment 33

Similar to the rest of the industry, we're not immune from inflationary pressures during 2022, but we'll maintain our diligent focus on discretionary expense management.

Apr 27, 2022 / receipt, needs a key / CEO, CEO | earnings call 2022-04-27 | transcript 966c1a34-6ac2-4f9c-a994-a36208c4c368 | chars 18728-18897 | segment 18

We're committed to expense management while continuing to make appropriate investments, including strategic hires across our organization and markets to enhance our ability to leverage growth opportunities.

Jan 26, 2022 / receipt, needs a key / Todd Clausen, CEO | earnings call 2022-01-26 | transcript 3fd69c53-b9f4-4083-a5ca-a92c87a82e71 | chars 2032-2238 | segment 2

Similar to the rest of the industry, we're not immune from inflationary pressures during 2022. but will maintain our diligent focus on discretionary expense management.

Jan 26, 2022 / receipt, needs a key / Dan Weiss, CFO | earnings call 2022-01-26 | transcript 3fd69c53-b9f4-4083-a5ca-a92c87a82e71 | chars 18998-19166 | segment 18

Equipment and software, which was consistent with the last several quarters, decreased YoY due to the cost of operating two core systems in the prior year related to the PFC acquisition

ir_statement / Sep 15, 2026 / receipt

Restructuring and merger-related expenses decreased from the prior year period, which included costs associated with the closing of the PFC acquisition

ir_statement / Sep 15, 2026 / receipt

Salaries and wages and employee benefits expense increased due to recent hiring efforts, primarily in Florida, and bonus accrual adjustments

ir_statement / Sep 15, 2026 / receipt

reflecting accelerating growth in targeted expansion markets

ir_statement / Sep 15, 2026 / receipt

Added producers and support staff as pipeline and client engagement reached sustainable levels

ir_statement / Sep 15, 2026 / receipt

Expand commercial bankers, support staff

ir_statement / Sep 15, 2026 / receipt

Opened full-service financial center August 2023

ir_statement / Sep 15, 2026 / receipt

Migrating transactions to more efficient channels with greater convenience and flexibility

ir_statement / Sep 15, 2026 / receipt

Net annual savings of $8 million per year from 37 closures in January and May 2026

ir_statement / Sep 15, 2026 / receipt

Reinvesting resources in markets and locations with strong demand, including Tennessee and Florida

ir_statement / Sep 15, 2026 / receipt

Advancing automation and AI initiatives to improve efficiency, reduce costs, and enhance scalability across loan operations, call center, and credit underwriting

ir_statement / Sep 15, 2026 / receipt

Disciplined expense management and investment aligned with growth priorities

ir_statement / Sep 15, 2026 / receipt