Damon Delmonte

“I just wanted to circle back on the loan growth, make sure I understood correctly. Simon, did you say in your prepared remark that you had some targeted payoffs during the quarter, which kind of ultimately led to a flat end-of-period balance?”

“First question, Mike, just wanted to talk a little bit about the margin. Got your comments there about, you know, two to five basis points of core expansion. Can you talk about some of the dynamics behind that?”

“That pretty much covered everything else. So thanks for taking my questions and take care. All right.”

“So it kind of seems like, again, based on what you've been saying, you guys seem to be pretty neutral. So we shouldn't see much movement either way if we do have a couple cuts here in 26.”

“So it's not just one type of loan. gotcha okay great um and then when you look at your expense guide for next year um i think at the time of the merger you guys had targeted around 23 percent cost saves i guess now that the deal is closed and you've had a good look at at the um at frontier you know how do you feel…”