Daniel Tamayo

“Yeah, maybe just if we could just start on the margin, Pat, you know, maybe you could just talk about some of the puts and takes that are impacting the margin, obviously a lot happening with the integration of Flushing's balance sheet, but, you know, I appreciate the guidance out a couple quarters, but maybe give us a…”

“And then I guess maybe on the expense side, so assuming that the fourth quarter kind of takes us into the middle of your range and you're kind of settle in the 425 range um just thoughts on that that number being a decent run rate going forward and just a little bit higher than uh then maybe we were looking for um…”

“Just curious, kind of as we think about the crossing of the $10 billion and the actions that you're taking to stay below in 2026, is there any kind of reversal of those actions in 27 and in the beginning of the year that would kind of create an increase in the balance sheet abnormal growth kind of early on, maybe…”

“Maybe just starting on the credit side, so criticized loans were down, which is nice to see. NPLs were up a bit. Curious if you see any of that increase on the NPLs flowing through on near-term charge-offs, and maybe just kind of a reminder if everything still seems the same or any update on the credit outlook.”

“Maybe just to follow up, Dan, for you on the expense side, but kind of looking out a little bit further, you obviously had a lot of hires in 26. You've been talking about 3% to 5% kind of year over year for the back half of this year.”