John Pancari

“I mean, can you just help us with the trajectory of your expected trend in deposit costs here into fourth quarter and into 2027? And what beta are you assuming in the up-rate environment?”

“On the security side, I know you had mentioned that you'll continue to review actions to manage your interest rate sensitivity. I know you further repositioned the securities book this quarter, $845 million or so.”

“Just on the deposit side, I just wanted to get updated thoughts post the spike in rates and what you're seeing around deposit pricing and the pressure there, both competitively and the rate backdrop.”

“At the risk of beating a dead horse, just around the confidence in the long-term rotting of 16-18, just any way to help us if that timing of that attainability of the 16-18 has changed under your purview as you've looked at these different levers that need to be pulled, And then when it comes to the expense side of…”

“I appreciate the color that you gave on the margin dynamics. You saw the compression in the quarter and deposit costs up seven bips or five bips extra brokered.”