Christopher Maranek

“Yeah, hey, I wanted to look at sort of risk-adjusted returns in the loan portfolio, and, you know, particularly as Upstart is now behind you, you know, do you see those getting stronger or does the rate environment sort of limit what you can get on a risk-adjusted return?”

“Are these any different for the combined company as it would have been separate at Tentacle and Tenova? I was just curious on how deposit incentives are compared across the new company.”

“Could you elaborate a little bit more on the digital deposit relationship that you mentioned in the press release and how many more opportunities like that are out there for this new year?”

“I just want to dig a little bit into credit quality And just was curious if there's anything on the commercial charge-offs in Q4 that would sort of be more just temporary from year-end cleanup, or would you see perhaps a slightly higher trend going into 26?”

“I wanted to follow up on the regulatory disclosures last quarter on the NDFI loans. I think about 60% was related to mortgage warehouse, and obviously 40% is the rest.”