Woody Lay

“Maybe a follow-up on the profitable growth, and we saw a pretty big move in rates this past quarter, got the Fed rate hike. Are y'all seeing the benefit of that on new loan production, or is competition impacting some of that benefit?”

“And I wanted to start on investment banking revenue. And as you all called out, it's coming in much better than you initially laid out coming into the year. And I was just curious, are there specific, you know, tailwinds you can point to?”

“I just wanted to touch on the NII guide to start, and I appreciate the 2027 color you gave of low single-digit growth relative to 2026, and I believe that assumes no further Fed rate hikes.”

“You also saw nice growth in the quarter. Could you just talk about the growth opportunities you're seeing in the segment? And is that a trend that could continue from here?”

“I wanted to follow up on the margin and maybe focus on deposit costs. You know, it's great to see costs down about eight basis points, quarter over quarter. I know there's some moving pieces with the deleveraging, and then you had the rate hike in September.”