Janet Leigh

“If I recall correctly, in the last rising lead cycle, you guys went more defense and your balance sheet, Frank, a little bit. As you were playing defense, if we get more rate hikes, is it any different in terms of your strategy and how should we think about your loan and deposit growth in 27?”

“Without getting into the specifics of the relationship, based on what you've seen since the second quarter, has the probability of recovering some of the provision and or credit enhancement valuation adjustment improved or deteriorated or remained broadly unchanged?”

“Not to beat on a dead horse, but just to clarify on your outlook for resi mortgage and mortgage warehouse, is your mid-to-high single-digit loan growth for 2026 contemplate a level of bullish, like, are you assuming that mortgage rates perhaps dip to the 5% handle?”