Kevin Hester

“Loan balances ended the quarter much better than we anticipated when we visited 90 days ago. We had some payoffs late in the quarter, but also held on to a few that we expected to pay off.”

“As Johnny noted we found a way to post marginal organic growth and loans in the second quarter which looked very difficult when we talked 90 days ago.”

“Given our strong showing in 2025, it can be easy to look at this quarter as boring.”

“Asset quality improved overall again in the third quarter with improvements in NPLs, MPAs, past dues, and total criticized loans. As you know there's always good and bad as you work through problem loans.”

“As Johnny mentioned, all asset quality metrics improved in the first quarter with no new material concerns noted. Anticipated recoveries from the fourth quarter cleanup are in process with nearly $7 million recovered from the fourth quarter charges.”