well. So, you know, some of the momentum is just by adding the commercial bankers, as Joe talked about, you know, new bankers, new relationships. As we've seen in other times when we've made acquisitions, we think hopefully a meaningful opportunity in the flushing base to become a bigger part of many of these clients' kind of wallet share.

So just by nature of the size of the balance sheet and loan limits and things like that, we've already met just a wonderful group of long-term flushing clients who can do more with us than they could with flushing and i think that that that could be a meaningful driver over the next several quarters but joe anything you'd add i think the uh i'd add two things one typically when you do these there's a little bit of a lull just because clients are trying to assess the consign of the combined entity and quite frankly some of you know some of your sales people are as well but as chris mentioned we've got a pretty good positive outcome pretty early on we've done a variety of customer events and days in market which i think have been really uh valuable for us and uh and the client base so and the combined scale i think is really going to make a difference and uh remember the vast majority of the the flushing book was uh smaller cree transactions they had a fledgling C&I business. So the opportunity to do things at a larger scale with a little bit more boots on the ground and some sophistication, I think, is going to really benefit. It's one of the densest markets in the country.

And individual portfolios, you have some expected runoff in residential. We talked about the rent regulated is going to run off slowly.

Where are some of the headwinds? those are certainly headwinds but i think the guidance we gave you around growth in 27 would be net of those headwinds so that's uh that's kind of where we where we would be i'd also note that we think our um our win percentage in new york is going to go up so you know as you recall we entered new york in 2019 we had five branches a two billion dollar franchise we were doing well and winning clients um but adding the 30 branches and the visibility of that we think is going to be very helpful I mentioned in my comments that we will rebrand the flushing branches that'll be done by October 1st and one of the reasons you see a slight elevation in expenses in Q4 is we expect to do a significant kind of brand launch in New York that will we hope provide a little more visibility and credibility so that the wind percentage in New York we think is going to be better in 27 than it was in 26 because people will just know us better feel more comfortable there's a um it's hard to pin down but there's a comfort level people get when they drive by your branches even if they never walk through them that makes sense uh my final one is uh i've received one percent roa next year isn't the final uh target um with things closed now what are kind of your your thoughts on on how you can exit 27 with a trajectory to a

a better ROA and the best ways to accomplish that.

So I think long-term ROA targets, the minimum floor for us would be more like a 120, because if you don't get to that level, look, our capital levels are gonna remain reasonably range bound. So you're not gonna get to your cost of capital unless you're somewhere up in that area or better. So I think in 27, it's to not just get to a one, but get above a one, exit the year strong, and then look towards that target in 28.

Executing on cost saves, more substantial loan growth, hitting the 320 NIM, any other pieces to that better trajectory?

I think if we do those things, it all holds together. You've got, you know, we think that over time as the balance sheet grows, you know, we would get non-interest expenses closer to a range of like 175 basis points, 1.75%. so you couple that with a 320 margin and you know you're doing pretty well thank you thank you for the commentary thank you our next question comes from the line of matthew breese with steven zinc matthew your line is open and just a quick follow-up point of clarification pat i think you had said 8 million in accretable yield this quarter um the press release says net accretion

was closer to 1.1 1.2 million i was modeling like four and a half five million next quarter i think you were referring just to the loan side maybe you could clarify yeah you're you're absolutely right it was about a million in june one month that will be about five million in the third quarter and it's driven off in part off of loan maturities it'll drop down a little bit $3 million-ish, maybe a little under that in the fourth quarter, so the full year impact for this year is a little over $8 million. That will double and will be $16, $17, $18 million per year for at least the next two to three years. That's what we're expecting. Okay, that's it. I'll leave it there. Thank you. Sorry for the misspokenness.

No, that's all right. Appreciate it.

We have reached the end of our Q&A session. I will now turn the call back to Christopher for closing remarks.

Thank you. We appreciate your time today and your continued support of Ocean First Financial Corp. We look forward to speaking with you in October about our third quarter results, and we'll provide an update in our merger integration at that point, too. Thanks very much enjoy the rest of your summer.

This concludes today's call. Thank you for attending. You may now disconnect.