Janet Lee

“On the lending front, it looks like CNI was down most of it from the lower dealer flooring. is the expectation that CNI can still grow from here, but then being partially offset by still elevated CRE payoffs?”

“Going up on fund banking, which was obviously very strong, some of your peers have pulled back on capital call lines, but obviously your growth has been very resilient and strong.”

“So if we bake in the 70 to 75 million of fees for the fourth quarter and look at your revenue guide for 2026, there's a bit of a range there could be for the net interest income for 4Q, just given multiple pieces going around with the mixed shift into the high yield and commercial loans and reduced mortgage finance…”

“Can you talk to us about the lending side on the competition? I get that much of the benefit from the rate hike in the third quarter was not showing up on the loan yields in the third quarter.”

“Sorry for asking on the same topic, but if you were to assume 60%-ish beta on your interest-sparing deposits, I mean, that would imply a significant uptick in deposit costs over the near term, but that doesn't really square away with what you saw in the third quarter at least, and then your commentary around deposit…”