{"id":1013705,"date":"2026-10-26T16:34:05","date_gmt":"2026-10-26T20:34:05","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/"},"modified":"2026-10-26T16:34:05","modified_gmt":"2026-10-26T20:34:05","slug":"cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/","title":{"rendered":"CBNK Delivers Strong Revenue Growth and Positive Operating Leverage"},"content":{"rendered":"
\n

ROCKVILLE, Md., Oct. 26, 2026 (GLOBE NEWSWIRE) — Capital Bancorp, Inc. (the “Company”) (NASDAQ: CBNK), the holding company for Capital Bank, N.A. (the “Bank”), today reported:<\/p>\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong> (Annualized)<\/td>\n\u00a0<\/td>\n<\/tr>\n
(in millions, except per share data)<\/td>\n\n 3Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q25<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26 vs 2Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26 vs 3Q25<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Balance Sheet Summary<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gross Loans(<\/sup>1)<\/sup><\/td>\n\n $<\/strong>
\n 3,114<\/strong>\n <\/td>\n		\u00a0<\/td>\n$3,086<\/td>\n\u00a0<\/td>\n$2,822<\/td>\n\u00a0<\/td>\n3.6%<\/td>\n\u00a0<\/td>\n10.4%<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total Deposits<\/td>\n\n 3,319<\/strong>\n <\/td>\n\u00a0<\/td>\n3,371<\/td>\n\u00a0<\/td>\n2,912<\/td>\n\u00a0<\/td>\n(6.1)%<\/td>\n\u00a0<\/td>\n14.0%<\/td>\n\u00a0<\/td>\n<\/tr>\n
Customer Deposits(<\/sup>2)<\/sup><\/td>\n\n 2,988<\/strong>\n <\/td>\n\u00a0<\/td>\n3,140<\/td>\n\u00a0<\/td>\n2,675<\/td>\n\u00a0<\/td>\n(19.2)%<\/td>\n\u00a0<\/td>\n11.7%<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible Book Value per share(<\/sup>3)<\/sup><\/td>\n\n $<\/strong>
\n 23.98<\/strong>\n <\/td>\n		\u00a0<\/td>\n$23.45<\/td>\n\u00a0<\/td>\n$21.33<\/td>\n\u00a0<\/td>\n9.0%<\/td>\n\u00a0<\/td>\n12.4%<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n GAAP<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Core<\/strong>
\n
\n (<\/strong>
\n <\/sup>
\n
\n 3)<\/strong>
\n <\/sup>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Change<\/strong>\n <\/td>\n<\/tr>\n
(in millions, except per share data)<\/td>\n\n 3Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q25<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26 vs 2Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26 vs 3Q25<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q25<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26 vs 2Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26 vs 3Q25<\/strong>\n <\/td>\n<\/tr>\n
\n Earnings Summary<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net Income<\/td>\n\n $<\/strong>
\n 13.1<\/strong>\n <\/td>\n		\u00a0<\/td>\n$14.3<\/td>\n\u00a0<\/td>\n$15.1<\/td>\n\u00a0<\/td>\n(7.9)%<\/td>\n\u00a0<\/td>\n(12.9)%<\/td>\n\u00a0<\/td>\n\n $<\/strong>
\n 14.7<\/strong>\n <\/td>\n		\u00a0<\/td>\n$14.3<\/td>\n\u00a0<\/td>\n$12.2<\/td>\n\u00a0<\/td>\n3.2%<\/td>\n\u00a0<\/td>\n21.0%<\/td>\n<\/tr>\n
Earnings per share – diluted<\/td>\n\n $<\/strong>
\n 0.80<\/strong>\n <\/td>\n		\u00a0<\/td>\n$0.87<\/td>\n\u00a0<\/td>\n$0.89<\/td>\n\u00a0<\/td>\n(8.0)%<\/td>\n\u00a0<\/td>\n(10.1)%<\/td>\n\u00a0<\/td>\n\n $<\/strong>
\n 0.89<\/strong>\n <\/td>\n		\u00a0<\/td>\n$0.87<\/td>\n\u00a0<\/td>\n$0.72<\/td>\n\u00a0<\/td>\n2.3%<\/td>\n\u00a0<\/td>\n23.6%<\/td>\n<\/tr>\n
ROA<\/td>\n\n 1.38<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n1.52%<\/td>\n\u00a0<\/td>\n1.77%<\/td>\n\u00a0<\/td>\n(14) bps<\/td>\n\u00a0<\/td>\n(39) bps<\/td>\n\u00a0<\/td>\n\n 1.55<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n1.52%<\/td>\n\u00a0<\/td>\n1.43%<\/td>\n\u00a0<\/td>\n3 bps<\/td>\n\u00a0<\/td>\n12 bps<\/td>\n<\/tr>\n
ROTCE(<\/sup>3)<\/sup><\/td>\n\n 13.62<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n15.51%<\/td>\n\u00a0<\/td>\n17.49%<\/td>\n\u00a0<\/td>\n(189) bps<\/td>\n\u00a0<\/td>\n(387) bps<\/td>\n\u00a0<\/td>\n\n 15.24<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n15.51%<\/td>\n\u00a0<\/td>\n14.15%<\/td>\n\u00a0<\/td>\n(27) bps<\/td>\n\u00a0<\/td>\n109 bps<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n
\n Including Card<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n
\n Excluding Card<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
NIM<\/td>\n\n 5.81<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n5.64%<\/td>\n\u00a0<\/td>\n6.36%<\/td>\n\u00a0<\/td>\n17 bps<\/td>\n\u00a0<\/td>\n(55) bps<\/td>\n\u00a0<\/td>\n\n 4.18<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n4.04%<\/td>\n\u00a0<\/td>\n4.66%<\/td>\n\u00a0<\/td>\n14 bps<\/td>\n\u00a0<\/td>\n(48) bps<\/td>\n<\/tr>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n GAAP<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Core<\/strong>
\n
\n (<\/strong>
\n <\/sup>
\n
\n 3)<\/strong>
\n <\/sup>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Change<\/strong>\n <\/td>\n<\/tr>\n
(in millions, except per share data)<\/td>\n\n 3Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q25<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26 vs 3Q25<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q25<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26 vs 3Q25<\/strong>\n <\/td>\n<\/tr>\n
\n Earnings Summary<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net Income<\/td>\n\n $<\/strong>
\n 39.4<\/strong>\n <\/td>\n		\u00a0<\/td>\n$42.1<\/td>\n\u00a0<\/td>\n(6.5)%<\/td>\n\u00a0<\/td>\n\n $<\/strong>
\n 41.0<\/strong>\n <\/td>\n		\u00a0<\/td>\n$41.3<\/td>\n\u00a0<\/td>\n(0.7)%<\/td>\n<\/tr>\n
Earnings per share – diluted<\/td>\n\n $<\/strong>
\n 2.40<\/strong>\n <\/td>\n		\u00a0<\/td>\n$2.50<\/td>\n\u00a0<\/td>\n(4.0)%<\/td>\n\u00a0<\/td>\n\n $<\/strong>
\n 2.49<\/strong>\n <\/td>\n		\u00a0<\/td>\n$2.45<\/td>\n\u00a0<\/td>\n1.6%<\/td>\n<\/tr>\n
ROA<\/td>\n\n 1.41<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n1.71%<\/td>\n\u00a0<\/td>\n(30) bps<\/td>\n\u00a0<\/td>\n\n 1.47<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n1.67%<\/td>\n\u00a0<\/td>\n(20) bps<\/td>\n<\/tr>\n
ROTCE(<\/sup>3)<\/sup><\/td>\n\n 14.24<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n17.06%<\/td>\n\u00a0<\/td>\n(282) bps<\/td>\n\u00a0<\/td>\n\n 14.80<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n16.70%<\/td>\n\u00a0<\/td>\n(190) bps<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n
\n Including Card<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n
\n Excluding Card<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
NIM<\/td>\n\n 5.72<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n6.15%<\/td>\n\u00a0<\/td>\n(43) bps<\/td>\n\u00a0<\/td>\n\n 4.12<\/strong>
\n %<\/strong>\n <\/td>\n		\u00a0<\/td>\n4.48%<\/td>\n\u00a0<\/td>\n(36) bps<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n

\u201cThis was indeed a very busy quarter with the announcements of the merger with Peoples Bank and the sale of our Chicago branch,\u201d said Steven J. Schwartz, Chairman of the Company. \u201cHowever, it is also important to note our continued steady net interest margin and tangible net book value(<\/sup>3<\/sup>)<\/sup> growth, along with sustained double-digit loan growth and the quarter-over-quarter increase in core earnings per share. The Board is excited about both the synergistic opportunities the merger provides as well as our independent organic growth and performance prospects.\u201d<\/p>\n

\n (1<\/sup>
\n )<\/sup> Gross loans represent portfolio loans receivable, net of deferred fees and costs.
(2)<\/sup> Customer deposits represent total deposits excluding brokered deposits.
(3)<\/sup> As used in this press release, Core net income, Core earnings per share – diluted, Core ROA, Core ROTCE, Tangible Book Value per share are non-GAAP financial metrics. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of this and other non-GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.<\/p>\n

\n
\n Third Quarter 2026 Highlights<\/u>
\n <\/strong>\n <\/p>\n

    \n
  • On September 29, 2026 the Company announced it has entered into a definitive merger agreement under which Peoples Bancorp, Inc. (“Peoples”) will acquire Capital Bancorp, Inc. in an all-stock transaction. Under the terms of the agreement, shareholders will receive 1.11 shares of Peoples common stock for each share of the Company’s common stock, representing an implied value of $43.75 per share and an approximate 22.7% premium over the Company’s closing stock price on September 29, 2026. The implied value represented a 1.9x tangible book value per share(4)<\/sup> and 12.9x last-twelve-month earnings per share – diluted for the quarter ended June 30, 2026. The transaction is subject to receipt of required regulatory approvals, shareholder approval, and other customary closing conditions<\/li>\n
  • On September 29, 2026 the Company announced it has entered into a purchase and assumption agreement with respect to the Bank’s branch office located in North Riverside, Illinois (“Chicago branch”), subject to regulatory approvals and other customary closing conditions. Based on the composition of deposits at September 30, 2026, the Bank would have received a deposit premium of approximately $3.2\u00a0million had the transaction closed at that date. The Bank will also receive a payment equal to the unpaid principal balance of loans transferred in the transaction, which could result in an additional gain at the time of closing<\/li>\n
  • Total deposits decreased $52.0\u00a0million or 6.1% (annualized) from 2Q 2026, primarily driven by decreases of $89.3\u00a0million from DDA products associated with our Title business, consistent with regular seasonality. The decrease in deposits also included a $45.2\u00a0million reduction associated with a single customer relationship that had grown significantly throughout the year and which was noted in the 2Q 2026 earnings release. Excluding deposits from title companies and the single customer relationship, deposits increased $82.5\u00a0million or 11.8% (annualized)<\/li>\n
  • Noninterest expenses increased $2.5\u00a0million or 23.3% (annualized) from 2Q 2026 as we continued to execute on strategic growth initiatives and incurred merger-related expenses related to the pending merger with Peoples. Excluding the impact of merger-related expenses, Core noninterest expenses(<\/sup>4)<\/sup> increased $1.0\u00a0million or 8.8% (annualized) from 2Q 2026<\/li>\n
  • Generated $80.2\u00a0million, or 10.2% (annualized) growth in total gross loans from 2Q 2026, largely driven by commercial and industrial (“C&I”), which grew $47.1\u00a0million, or 25.6% (annualized), across both held for sale and held for investment portfolios, and residential real estate, which grew $26.1\u00a0million, or 13.0% (annualized), across both held for sale and held for investment portfolios<\/li>\n
  • Continued tangible book value compounding, with tangible book value per share(<\/sup>4<\/sup>)<\/sup> increasing 9.0% (annualized) from 2Q 2026<\/li>\n
  • NIM of 5.81% increased 17 bps from 2Q 2026, driven by 14 bps from the Commercial Bank loan portfolio and 4 bps increased contribution from OpenSky\u2122\u00a0due to higher balances, partially offset by 1 bp from other Commercial Bank activity. Core NIM of 4.18% increased 14 bps from 2Q 2026, primarily driven by 11 bps from organic growth from Commercial Bank portfolio.<\/li>\n
  • Diluted earnings per share of $0.80, down 8.0% from 2Q 2026. Core earnings per share(4<\/sup>)<\/sup> increased $0.02, or 2.3% from 2Q 2026<\/li>\n
  • Produced 18.7% (annualized) fee income growth, led by government lending revenue, loan servicing rights income, credit card fees and USDA fees. Fee revenue represented 22.1% of total revenue<\/li>\n
  • The Company also declared a cash dividend on its common stock of $0.14 per share. The dividend is payable on November 25, 2026 to shareholders of record on November 9, 2026.<\/li>\n<\/ul>\n

    \u201cWe are excited about our combination with Peoples Bank and what it will bring to our franchises,” said Ed Barry, CEO of the Company. “Our current quarter results reflect work on the merger and continued progress on our strategic plan. Prudent and disciplined financial management is demonstrated in our ability to deliver strong profitability in a volatile operating environment.”<\/p>\n

    \n (4<\/sup>
    \n ) <\/sup>As used in this press release, Core noninterest expense, Core net income, Core earnings per share – diluted, Core ROA, Core ROTCE, Tangible Book Value per share are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of this and other non\u2013GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.<\/p>\n

    \n
    \n Reconciliation of GAAP Net Income to Core (Non-GAAP) Net Income<\/u>
    \n <\/strong>\n <\/p>\n

    The following table provides a reconciliation of the Company’s net income under GAAP to Core net income (non-GAAP) results excluding brokered time deposit call, merger-related expenses and other one-time non-recurring transactions.<\/p>\n\n\n\n\n\n\n\n
    \u00a0<\/td>\n\n Third Quarter 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Second Quarter 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Third Quarter 2025<\/strong>\n <\/td>\n<\/tr>\n
    (in thousands)<\/td>\n\n Income Before Income Taxes<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income Tax Expense (Benefit)<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Net Income<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income Before Income Taxes<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income Tax Expense<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Net Income<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income Before Income Taxes<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income Tax Expense (Benefit)<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Net Income<\/strong>\n <\/td>\n<\/tr>\n
    \n GAAP Net Income<\/strong>\n <\/td>\n$<\/td>\n17,546<\/td>\n\u00a0<\/td>\n$<\/td>\n4,424<\/td>\n\u00a0<\/td>\n$<\/td>\n13,122<\/td>\n\u00a0<\/td>\n$<\/td>\n18,454<\/td>\n\u00a0<\/td>\n$<\/td>\n4,204<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n$<\/td>\n19,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,802<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,065<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Deduct: Income from the Call of Brokered Time Deposits<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,618<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,129<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,489<\/td>\n)<\/td>\n<\/tr>\n
    Add: Merger-Related Expenses<\/td>\n\u00a0<\/td>\n1,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n697<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n575<\/td>\n\u00a0<\/td>\n<\/tr>\n
    \n Core Net Income<\/strong>
    \n
    \n (<\/strong>
    \n <\/sup>
    \n
    \n 1)<\/strong>
    \n <\/sup>\n <\/td>\n    		$<\/td>\n19,123<\/td>\n\u00a0<\/td>\n$<\/td>\n4,424<\/td>\n\u00a0<\/td>\n$<\/td>\n14,699<\/td>\n\u00a0<\/td>\n$<\/td>\n18,454<\/td>\n\u00a0<\/td>\n$<\/td>\n4,204<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n$<\/td>\n15,946<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,795<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,151<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

    \n \n <\/p>\n\n\n\n\n\n\n\n
    \u00a0<\/td>\n\n Nine Months Ended September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Nine Months Ended September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
    (in thousands)<\/td>\n\n Income Before Income Taxes<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income Tax Expense (Benefit)<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Net Income<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income Before Income Taxes<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Income Tax Expense<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Net Income<\/strong>\n <\/td>\n<\/tr>\n
    \n GAAP Net Income<\/strong>\n <\/td>\n$<\/td>\n51,871<\/td>\n\u00a0<\/td>\n$<\/td>\n12,481<\/td>\n\u00a0<\/td>\n$<\/td>\n39,390<\/td>\n\u00a0<\/td>\n$<\/td>\n55,263<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n13,130<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n42,133<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Deduct: Income from the Call of Brokered Time Deposits<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,618<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,129<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,489<\/td>\n)<\/td>\n<\/tr>\n
    Add: Merger-Related Expenses<\/td>\n\u00a0<\/td>\n1,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,361<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n752<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,609<\/td>\n\u00a0<\/td>\n<\/tr>\n
    \n Core Net Income<\/strong>
    \n
    \n (<\/strong>
    \n <\/sup>
    \n
    \n 5)<\/strong>
    \n <\/sup>\n <\/td>\n    		$<\/td>\n53,448<\/td>\n\u00a0<\/td>\n$<\/td>\n12,481<\/td>\n\u00a0<\/td>\n$<\/td>\n40,967<\/td>\n\u00a0<\/td>\n$<\/td>\n54,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,753<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n41,253<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

    \n Note: The income tax expense reflects the non-deductibility of certain merger-related expenses.<\/sup>\n <\/p>\n

    Net income of $13.1\u00a0million decreased $1.1\u00a0million compared to 2Q 2026, and earnings per share – diluted of $0.80 decreased $0.07 per share from 2Q 2026. Net income decreased $1.9\u00a0million, or 12.9%, compared to $15.1\u00a0million, or $0.89 per diluted share, for 3Q 2025. 3Q 2026 Core net income(<\/sup>5<\/sup>)<\/sup> of $14.7\u00a0million, or $0.89 per diluted share, increased $0.4\u00a0million, or 3.2%, compared to 2Q 2026 Core net income(<\/sup>5)<\/sup> of $14.3\u00a0million, or $0.87 per diluted share. 3Q 2026 Core net income(<\/sup>5)<\/sup> increased $2.5\u00a0million from 3Q 2025 Core net income(<\/sup>5)<\/sup> of $12.2\u00a0million. 3Q 2026 Core net income(<\/sup>5)<\/sup> excluding purchase accounting accretion (“PAA”) was $14.4\u00a0million, an increase of $2.9\u00a0million, or 25.2%, from 3Q 2025 Core net income(<\/sup>5)<\/sup> of $11.5\u00a0million excluding PAA.<\/p>\n

    \n (5<\/sup>
    \n )<\/sup> As used in this press release, Core net income and Core noninterest expense are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of this and other non\u2013GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.<\/p>\n

    \n
    \n Consolidated Financial Performance<\/u>
    \n <\/strong>\n <\/p>\n

    \n Quarterly net interest income:<\/strong>\n <\/p>\n

      \n
    • Net interest income of $53.1\u00a0million increased $2.1\u00a0million, or 4.2% (not annualized), compared to 2Q 2026, and increased $1.1\u00a0million, or 2.0%, year-over-year.\n
        \n
      • Interest income of $72.3\u00a0million increased $2.3\u00a0million, or 3.3% (not annualized), compared to 2Q 2026, and increased $7.4\u00a0million, or 11.4%, year-over-year. The increase from 2Q 2026 was primarily driven by a $2.4 million increase from Commercial Bank loan growth and $0.5\u00a0million increase from OpenSky\u2122 due to higher balances and higher yields, slightly offset by a $0.5\u00a0million decrease in interest bearing cash income due to lower balances of interest-bearing deposits from other financial institutions. The increase year-over-year was primarily driven by $6.5\u00a0million from the Commercial Bank due to strong organic loan growth, and $0.9\u00a0million from OpenSky\u2122 due to strong growth from the unsecured loan product.\n
          \n
        • Interest income included $0.3\u00a0million from net PAA in 3Q 2026, compared to $0.2\u00a0million in 2Q 2026 and $0.2\u00a0million in net PAA in 3Q 2025.<\/li>\n<\/ul>\n<\/li>\n
        • Interest expense of $19.2\u00a0million increased $0.2\u00a0million, or 1.0% (not annualized), compared to 2Q 2026, and increased $6.3\u00a0million, or 49.3%, year-over-year. The increase of $0.2\u00a0million, compared to 2Q 2026, was primarily driven by growth in money market accounts, offset by a decrease in borrowed funds. The increase of $6.3\u00a0million year-over-year was driven by $1.0 million from higher balances and a shift in deposit mix, $5.2\u00a0million of decreased benefit from net PAA, and $0.1 million of higher borrowing costs.\n
            \n
          • Interest expense included a $0.1\u00a0million benefit from net PAA in both 3Q 2026 and 2Q 2026. There was a $5.3\u00a0million benefit from net PAA in 3Q 2025, which included $4.6\u00a0million from the call of brokered time deposits acquired from the IFH transaction (“Call of Brokered Time Deposits”).\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

            \n Quarterly provision:<\/strong>\n <\/p>\n

              \n
            • The 3Q 2026 provision for credit losses was $4.9\u00a0million, an increase of $1.3\u00a0million from 2Q 2026. The increase was primarily driven by $1.3\u00a0million of increased provision for the Commercial Bank from 2Q 2026, primarily due to a $1.0 million increased reserve requirement largely attributable to loan growth and $0.3\u00a0million decrease in net charge-offs. Net charge-offs totaled $3.8\u00a0million, or 0.49% of portfolio loans (annualized), consistent with $3.8\u00a0million or 0.50% of portfolio loans (annualized), in 2Q 2026.\n
                \n
              • Net charge-offs in the quarter included $3.2\u00a0million from OpenSky\u2122 loans and $0.6\u00a0million from Commercial Bank loans. Net charge-offs for the Commercial Bank decreased $0.3\u00a0million quarter-over-quarter. OpenSky\u2122 net charge-offs increased $0.3\u00a0million quarter-over-quarter, driven by the secured product.<\/li>\n
              • At September\u00a030, 2026, the ACL Coverage Ratio was 1.78%, an increase of 2 bps from June\u00a030, 2026.\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                \n Quarterly fee revenue:<\/strong>\n <\/p>\n

                  \n
                • Fee Revenue of $15.0\u00a0million increased $0.7\u00a0million, compared to 2Q 2026 and increased $4.0\u00a0million year-over-year. The increase of $0.7\u00a0million during 3Q 2026 was primarily driven by a $0.4\u00a0million increase in other income from fees associated with USDA transactions that did not close and an increase in small business investment company (“SBIC”) income, and a $0.3\u00a0million increase in government lending revenue from both USDA and SBA gain on sale. The year-over-year fee revenue increase of $4.0\u00a0million was primarily driven by a $1.5 million increase in government lending revenue mostly from USDA gain on sale, $1.2 million from SBIC income, $0.8 million from government loan servicing and packaging revenue (Windsor\u2122) driven by growth in servicing income from organic growth in the servicing portfolio, and $0.3 million from fees earned from USDA deals which were not executed. Fee revenue mix(<\/sup>6<\/sup>)<\/sup> was 22.1% of total revenue for 3Q 2026, compared to 22.0% during 2Q 2026, and 17.5% during 3Q 2025. Core fee revenue mix was 22.1% for 3Q 2026, compared to 22.0% during 2Q 2026, and 18.9% during 3Q 2025.\n<\/li>\n<\/ul>\n

                  \n Quarterly noninterest expense:<\/strong>\n <\/p>\n

                    \n
                  • Noninterest expense of $45.7\u00a0million increased $2.5\u00a0million compared to 2Q 2026 and increased $7.4\u00a0million compared to 3Q 2025. Core noninterest expense(<\/sup>7<\/sup>) <\/sup>of $44.1\u00a0million increased $1.0\u00a0million compared to 2Q 2026 and increased $6.5\u00a0million compared to 3Q 2025. Core comparisons include:\n
                      \n
                    • The increase of $1.0\u00a0million quarter-over-quarter was primarily driven by $1.0\u00a0million higher personnel costs primarily due to planned investment in headcount<\/li>\n
                    • Year-over-year expense growth of $6.5\u00a0million was primarily driven by planned expansion and investment in headcount across the organization, and an increase in professional fees associated with investments in shared services areas and OpenSky\u2122.\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                      \n (6<\/sup>
                      \n )<\/sup> Fee revenue mix equals fee revenue divided by the sum of fee revenue and net interest income before provision for credit losses.<\/p>\n

                      \n (7<\/sup>
                      \n ) <\/sup>As used in this press release, Core noninterest expense, Core net income, Core earnings per share – diluted, Core ROA, Core ROTCE, Tangible Book Value per share are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of this and other non\u2013GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.<\/p>\n

                      \n Quarterly income taxes:<\/strong>\n <\/p>\n

                        \n
                      • Income tax expense of $4.4 million, or 25.2% of pre-tax income for 3Q 2026, increased $0.2 million from $4.2 million, or 22.8% of pre-tax income for 2Q 2026. The effective income tax rate change quarter-over-quarter primarily reflects $1.6 million of non-deductible merger costs. Our Core effective income tax rate excluding non-deductible merger costs was 23.1% for 3Q 2026.<\/li>\n<\/ul>\n

                        \n Total assets:<\/strong>\n <\/p>\n

                        Total assets of $3.8\u00a0billion at September\u00a030, 2026 decreased $87.4\u00a0million, or 8.9% (annualized) from June\u00a030, 2026. The $87.4\u00a0million decrease was primarily driven by $156.2\u00a0million of decreased cash and cash equivalents, offset by total loan growth of $80.2\u00a0million (inclusive of portfolio loans receivable and loans held for sale). Total assets growth year-over-year was $413.1\u00a0million, or 12.2%. The growth year-over-year was primarily driven by increases in portfolio loans and cash balances.<\/p>\n

                        \n Gross Loans:<\/strong>\n <\/p>\n

                          \n
                        • Total loans increased $80.2\u00a0million driven by increases in loans held for sale of $51.9\u00a0million and loans held for investment of $28.3\u00a0million<\/li>\n
                        • Loans held for sale increased $51.9\u00a0million, primarily driven by a reclassification of $60.2\u00a0million of loans from held for investment to held for sale due to the pending Chicago branch sale, subject to mutual agreement with the buyer on the loan population.<\/li>\n
                        • Gross Loans held for investment of $3.1\u00a0billion at September\u00a030, 2026 increased $28.3\u00a0million, or 3.6% (annualized), from June\u00a030, 2026 and increased $292.3\u00a0million, or 10.4%, year-over-year.\n
                            \n
                          • Excluding the impact of $60.2\u00a0million of loans reclassified to held for sale, gross loans held for investment increased $88.5\u00a0million, or 11.4% (annualized) from June\u00a030, 2026.<\/li>\n
                          • Compared to June\u00a030, 2026, growth was primarily driven by $42.7\u00a0million from C&I and $10.0\u00a0million from construction real estate, slightly offset by a $21.1\u00a0million decrease in commercial real estate.\n
                              \n
                            • The $42.7\u00a0million growth from C&I was driven by $20.1 million SBA, $14.7 million legacy, and $7.9 million USDA.<\/li>\n<\/ul>\n<\/li>\n
                            • C&I loans, plus owner-occupied CRE loans, totaled 38.3% of total portfolio loans at September\u00a030, 2026, 37.4% at June\u00a030, 2026, and 37.6% at September 30, 2025.\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                              \n Deposits:<\/strong>\n <\/p>\n

                                \n
                              • Total deposits of $3.3\u00a0billion at September\u00a030, 2026 decreased $52.0\u00a0million, or 6.1% (annualized), from June 30, 2026, and increased $407.1\u00a0million, or 14.0% from September 30, 2025.\n
                                  \n
                                • Excluding a $99.9\u00a0million increase in brokered time deposits, customer deposits decreased $151.8\u00a0million or 19.2% (annualized), which was driven by an $89.3\u00a0million decrease from DDA products associated with our Title business due to typical seasonality, a $35.6\u00a0million increase from organic activity, and a $26.9\u00a0million decrease from customer time deposits which were not renewed or extended.\n
                                    \n
                                  • The $151.8\u00a0million decrease includes $68.4\u00a0million from interest-bearing demand accounts, $52.8\u00a0million from noninterest-bearing deposits, $11.2\u00a0million from customer money market deposits, and $26.9\u00a0million from customer time deposits, partially offset by $7.5\u00a0million of growth from savings accounts.<\/li>\n<\/ul>\n<\/li>\n
                                  • The increase in total deposits of $407.1\u00a0million year-over-year was primarily driven by $390.4\u00a0million in growth from customer money market deposits and $17.7\u00a0million from high yield savings accounts, with offsetting activity across other deposit products.<\/li>\n
                                  • Total deposits include $111.1\u00a0million of deposits expected to be assumed in connection with the pending Chicago branch sale, subject to finalization of the purchase and assumption agreement.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                                      \n
                                    • Insured and protected(<\/sup>8<\/sup>)<\/sup> deposits were approximately $2.2\u00a0billion as of September\u00a030, 2026 representing 66.6% of the Company’s deposit portfolio.<\/li>\n
                                    • Low interest(<\/sup>9<\/sup>)<\/sup> and noninterest-bearing demand deposit account (“DDA”) deposits totaled $1.2\u00a0billion, or 36.1% of deposits, a decrease of $113.8\u00a0million, or 8.7% from 2Q 2026, and an increase of $52.1\u00a0million, or 4.5% year-over-year.\n
                                        \n
                                      • The average rate on the low interest and noninterest-bearing deposits was 0.30% for 3Q 2026, which increased 1 bps compared to 2Q 2026 and increased 15 bps year-over-year.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                                          \n
                                        • The average portfolio loans-to-deposit ratio was 96.0% for 3Q 2026, compared to 94.3% for 2Q 2026, and 95.6% for 3Q 2025.\n<\/li>\n<\/ul>\n

                                          \n (8<\/sup>
                                          \n ) <\/sup>Protected deposits include deposits that are indirectly protected under the product terms.<\/p>\n

                                          \n (<\/sup>
                                          \n 9<\/sup>
                                          \n )<\/sup> Low interest deposits include interest-bearing demand and savings accounts.<\/p>\n

                                          \n Investment securities:<\/strong>\n <\/p>\n

                                            \n
                                          • The investment securities portfolio continues to be classified as available-for-sale and had a fair market value of $214.5\u00a0million, or 5.6% of total assets, and an effective duration of 2.4 years, with U.S. Treasury Securities representing 61% of the overall investment portfolio at September\u00a030, 2026. The accumulated other comprehensive loss on the investment securities portfolio increased $2.9\u00a0million during the quarter to $9.2\u00a0million after-tax as of September\u00a030, 2026, which represents 2.1% of total stockholders’ equity. The Company does not have a held-to-maturity investment securities portfolio.\n<\/li>\n<\/ul>\n

                                            \n Liquidity:<\/strong>\n <\/p>\n

                                              \n
                                            • The Company maintains stable and diversified sources of contingent liquidity, generally consistent with the prior quarter. Total available borrowing capacity as of September\u00a030, 2026 was $842.6 million, compared to $801.6\u00a0million as of June 30, 2026, consisting of $736.0 million of available collateralized borrowing capacity, $100.5\u00a0million of unsecured lines of credit with other banks, and $6.1 million of unpledged investment securities available to collateralize potential additional borrowings. Including cash and cash equivalents of $262.0 million, total liquidity was approximately $1.1 billion.\n<\/li>\n<\/ul>\n

                                              \n Capital:<\/strong>\n <\/p>\n

                                                \n
                                              • As of September\u00a030, 2026, the Company reported a Common Equity Tier-1 capital ratio of 13.25% and a Tier 1 leverage ratio of 10.84%, compared to 13.16% and 10.51%, respectively, at June 30, 2026. At September\u00a030, 2026, the Company and the Bank maintained regulatory capital ratios that exceed all capital adequacy requirements.<\/li>\n
                                              • There were no shares repurchased and retired during the three months ended September 30, 2026, as part of the Company’s stock repurchase program. As of September\u00a030, 2026, there was $12.4\u00a0million remaining to be repurchased under the current $15.0 million authorized repurchase program, which will expire on December 31, 2026. In connection with the merger agreement with Peoples, the Company has suspended its stock repurchase program and does not currently expect to repurchase additional shares while the proposed transaction is pending.<\/li>\n<\/ul>\n

                                                \n
                                                \n Financial Metrics<\/u>
                                                \n <\/strong>\n <\/p>\n

                                                \n Net Interest Margin:<\/strong>\n <\/p>\n

                                                NIM of 5.81% for 3Q 2026, increased 17 bps compared to the prior quarter, but decreased 55 bps year-over-year. Core NIM(<\/sup>10)<\/sup> of 4.18% increased 14 bps (but increased 12 bps when excluding PAA) compared to the prior quarter, and decreased 48 bps year-over-year. Net PAA for 3Q 2026 was 4 bps for NIM and 5 bps for Core NIM(<\/sup>10<\/sup>)<\/sup>. The increase quarter-over-quarter in Core NIM includes 11 bps from organic growth from Commercial Bank portfolio, 2 bps from one non-performing loan relationship in 2Q 2026, and 1 bp from higher net PAA compared to 2Q 2026. There was $4.6 million of PAA from the Call of Brokered Time Deposits during 3Q 2025, or 56 bps of NIM and 59 of Core NIM. Excluding the impact from the Call of Brokered Time Deposits, NIM increased 1 bp and Core NIM increased 11 bps year-over-year.<\/p>\n

                                                  \n
                                                • The average yield on interest earning assets of 7.91% increased 16 bps compared to the prior quarter and decreased 2 bps year-over-year. The increase quarter-over-quarter was due to growth in both the Commercial Bank and OpenSky\u2122 portfolios. The decrease year-over-year was primarily due to the impact of changes in the rate environment to the Commercial Bank and OpenSky\u2122 portfolios.\n
                                                    \n
                                                  • The Core Loan Yield(<\/sup>10<\/sup>)<\/sup> of 6.83% for 3Q 2026 increased 6 bps compared to 2Q 2026, and increased 9 bps year-over-year. The increase quarter-over-quarter includes 3 bps from organic portfolio growth and 3 bps from loan PAA. The increase year-over-year was primarily a result of organic portfolio growth.<\/li>\n<\/ul>\n<\/li>\n
                                                  • The total cost of deposits of 2.30% for 3Q 2026 increased 1 bp compared to 2Q 2026, and increased 57 bps year-over-year. The increase year-over-year was primarily due to 63 bps from the Call of Brokered Time Deposits in 3Q 2025. Excluding the Call of Brokered Time Deposits from 3Q 2025, total cost of deposits would have decreased 6 bps year-over-year, primarily driven by a shift in product mix as well as changes in the rate environment offsetting lower time deposit PAA.<\/li>\n
                                                  • The total cost of interest-bearing deposits of 3.09% for 3Q 2026, remained consistent compared to the prior quarter, and increased 68 bps year-over-year. The increase year-over-year was primarily due to 87 bps from the Call of Brokered Time Deposits in 3Q 2025. Excluding the Call of Brokered Time Deposits from 3Q 2025, total cost of interest-bearing deposits would have decreased 19 bps year-over-year, which was primarily driven by a shift in product mix as well as changes in the rate environment.<\/li>\n
                                                  • Net PAA of $0.4 million, or 4 bps of NIM and 5 bps of Core NIM(<\/sup>10<\/sup>)<\/sup>, during 3Q 2026, increased $0.1\u00a0million from 2Q 2026 due to $0.2 million from the acceleration of PAA from a loan that paid off during 3Q 2026, partially offset by $0.1 million lower time deposit PAA from the run-off of certain purchase accounting marks associated with acquired IFH deposit portfolio. There was $5.5 million from net PAA during 3Q 2025, which includes $4.6 million, or 59 bps of Core NIM, from the Call of Brokered Time Deposits. Excluding the impact from the Call of Brokered Time Deposits, net PAA decreased $0.5\u00a0million mainly driven by lower time deposit PAA.\n<\/li>\n<\/ul>\n

                                                    \n (10<\/sup>
                                                    \n )<\/sup> As used in this press release, Core NIM, Core Loan Yield, and Core efficiency ratio are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of these and other non\u2013GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.<\/p>\n

                                                    \n Credit Metrics and Asset Quality:<\/strong>\n <\/p>\n

                                                    Nonperforming assets were $60.5\u00a0million, or 1.59% of total assets, at September\u00a030, 2026, a decrease of $0.3\u00a0million but an increase of 3 bps from June 30, 2026. The decrease of $0.3\u00a0million was primarily driven by the acquired IFH portfolio. Nonperforming assets increased $8.3\u00a0million or 5 bps year-over-year, mainly due to the $9.7 million increase during 2Q 2026 related to the legacy bank loan relationship noted during 2Q 2026. At September\u00a030, 2026, substandard loans totaled $71.4\u00a0million, or 2.3% of total portfolio loans, compared to $70.6 million, or 2.3% of total portfolio loans, at June 30, 2026 and $56.8 million, or 2.0% of total portfolio loans, at September 30, 2025. The $14.6 million year-over-year increase in substandard loans was primarily driven by the $9.7 million legacy bank relationship that is referenced above. At September\u00a030, 2026, special mention loans totaled $67.8\u00a0million, or 2.2%, of total portfolio loans, compared to $61.5 million, or 2.0% of total portfolio loans, at June 30, 2026, and $71.5 million, or 2.5% of total portfolio loans, at September 30, 2025.<\/p>\n

                                                    \n Efficiency Ratio:<\/strong>\n <\/p>\n

                                                    The efficiency ratio was 67.1% for 3Q 2026, compared to 66.1% for 2Q 2026 and 60.8% for 3Q 2025. The Core efficiency ratio(<\/sup>11)<\/sup> was 64.8% for 3Q 2026, which decreased from 66.1% compared to the prior quarter, and increased from 64.4% for 3Q 2025.<\/p>\n

                                                    \n Returns:<\/strong>\n <\/p>\n

                                                    ROA was 1.38% for 3Q 2026, compared to 1.52% for 2Q 2026, and 1.77% for 3Q 2025. Core ROA(1<\/sup>1<\/sup>) <\/sup>for 3Q 2026 was 1.55%, compared to 1.52% for 2Q 2026, and 1.43% for 3Q 2025.<\/p>\n

                                                      \n
                                                    • ROE was 12.16% for 3Q 2026, compared to 13.80% for 2Q 2026, and 15.57% for 3Q 2025. Core ROE(<\/sup>11<\/sup>)<\/sup> was 13.63% for 3Q 2026, compared to 13.80% for 2Q 2026, and 12.56% for 3Q 2025.<\/li>\n
                                                    • ROTCE(<\/sup>1)<\/sup> was 13.62% for 3Q 2026, compared to 15.51% for 2Q 2026, and 17.49% for 3Q 2025. Core ROTCE(<\/sup>11<\/sup>)<\/sup> for 3Q 2026 was 15.24%, compared to 15.51% for 2Q 2026, and 14.15% for 3Q 2025.<\/li>\n<\/ul>\n

                                                      \n (11<\/sup>
                                                      \n )<\/sup> As used in this press release, Core ROA, Core ROE, ROTCE, Core ROTCE, Core Efficiency Ratio and Tangible Book Value are non-GAAP financial measures. These non-GAAP financial metrics exclude the impact of merger-related expenses and certain other pre-tax adjustments which are not indicative of operating performance and the tax impacts of such adjustments. Reconciliations of these and other non\u2013GAAP measures to their comparable GAAP measures are set forth in the Appendix at the end of this press release.<\/p>\n

                                                      \n Book Value:<\/strong>\n <\/p>\n

                                                      Book value per common share of $26.42 at September\u00a030, 2026, increased $0.50 when compared to June 30, 2026, and increased $2.62 when compared to September 30, 2025. Tangible book value per share(<\/sup>12)<\/sup> increased $0.53, or 2.3% (not annualized), to $23.98 at September\u00a030, 2026 when compared to June 30, 2026, and increased $2.65, or 12.4%, when compared to September 30, 2025.<\/p>\n

                                                      \n
                                                      \n Reportable Segments<\/u>
                                                      \n <\/strong>\n <\/p>\n

                                                      \n
                                                      \n Commercial Bank<\/u>
                                                      \n <\/strong>\n <\/p>\n

                                                      \n Loan Growth \u2013<\/strong> Portfolio loans(<\/sup>12<\/sup>)<\/sup> increased $24.8\u00a0million at September\u00a030, 2026 compared to June 30, 2026, primarily driven by increases of $42.7\u00a0million from C&I, $10.0\u00a0million from construction real estate, and $5.6\u00a0million from lender finance, offset by decreases of $21.1\u00a0million from CRE and $13.5\u00a0million from residential real estate. Excluding the impact of $60.2\u00a0million of loans reclassified to held for sale, gross loans held for investment increased $88.5\u00a0million, or 11.4% (annualized) from June\u00a030, 2026. Portfolio loans increased $276.5\u00a0million at September\u00a030, 2026 compared to September 30, 2025, driven by $155.1\u00a0million from C&I, $44.2\u00a0million from residential real estate, $36.4\u00a0million from construction real estate, and $12.1\u00a0million from CRE. Historical gross portfolio loan balances are disclosed in the Composition of Loans<\/em> table within the Historical Financial Highlights.<\/em><\/p>\n

                                                      \n (12<\/sup>
                                                      \n )<\/sup> Portfolio loans represents portfolio loans receivable excluding deferred origination fees, net.<\/p>\n

                                                      \n Net Interest Income \u2013<\/strong> Interest income of $55.6\u00a0million increased $1.9\u00a0million from the prior quarter, driven by $2.4 million from loan growth, slightly offset by a $0.5\u00a0million decrease from interest bearing cash income. Interest expense of $19.1\u00a0million increased $0.2\u00a0million, driven by growth and a mix shift in the deposit portfolio.<\/p>\n

                                                      \n Credit Metrics \u2013<\/strong> Nonperforming assets increased 3 bps to 1.68% of total assets at September\u00a030, 2026, compared to June 30, 2026. Total nonaccrual loans at September\u00a030, 2026, were $56.7\u00a0million, a decrease of $0.3\u00a0million or 0.6% compared to $57.0\u00a0million at June 30, 2026.<\/p>\n

                                                      \n Classified and Criticized Loans<\/strong>
                                                      \n \u2013<\/strong> At September\u00a030, 2026, special mention loans totaled $67.8\u00a0million, or 2.2% of total portfolio loans, compared to $61.5 million, or 2.0% of total portfolio loans, at June 30, 2026. At September\u00a030, 2026, substandard loans totaled $71.4\u00a0million, or 2.3% of total portfolio loans, compared to $70.6 million, or 2.3% of total portfolio loans, at June 30, 2026.<\/p>\n

                                                      \n
                                                      \n OpenSky<\/u>
                                                      \n <\/strong>\u2122<\/p>\n

                                                      OpenSky\u2122 results reflected continued loan balance growth, lower operating expenses and credit performance consistent with management expectations.<\/p>\n

                                                      \n Accounts \u2013<\/strong> During 3Q 2026, credit card accounts declined to 575.8 thousand, decreasing 12.8 thousand, or 2.2% (not annualized) from June 30, 2026, and decreasing 11.8 thousand, or 2.0% year-over-year.<\/p>\n

                                                      \n Loan and Deposit Balances \u2013<\/strong> Secured and unsecured loan balances, net of reserves for interest and fees, of $149.2\u00a0million at September\u00a030, 2026 increased by $3.9\u00a0million, or 2.7% (not annualized), compared to June 30, 2026, and increased $12.7\u00a0million, or 9.3%, year-over-year. Deposit balances of $162.4\u00a0million at September\u00a030, 2026, decreased $3.8\u00a0million compared to June 30, 2026 and decreased $4.5\u00a0million, or 2.7% year-over-year. Gross unsecured loan balances of $57.6\u00a0million at September\u00a030, 2026, increased $6.4\u00a0million, or 12.4% (not annualized), compared to $51.2\u00a0million at June 30, 2026, and increased $18.0\u00a0million, or 45.5% (not annualized), year-over-year. Gross secured loan balances of $93.7\u00a0million at September\u00a030, 2026, decreased $2.4\u00a0million, or 2.5% (not annualized), compared to $96.0\u00a0million at June 30, 2026, and decreased $5.1\u00a0million, or 5.2% (not annualized) year-over-year.<\/p>\n

                                                      \n Net Interest Income<\/strong>
                                                      \n \u2013<\/strong> Interest income of $16.5\u00a0million increased $0.5\u00a0million compared to 2Q 2026, supported by higher average OpenSky\u2122 credit card loan balances. Average OpenSky\u2122 credit card loan balances, net of reserves and deferred fees of $143.9\u00a0million for 3Q 2026, increased $6.8\u00a0million, or 5.0% (not annualized), compared to 2Q 2026.<\/p>\n

                                                      \n Fee Revenue \u2013 <\/strong>Total fee revenue of $4.6\u00a0million increased $0.1\u00a0million from the prior quarter primarily driven by continued growth in net interest income as loan balances increased.<\/p>\n

                                                      \n Noninterest Expense \u2013 <\/strong>Total noninterest expense of $15.7\u00a0million increased $0.3\u00a0million compared to 2Q 2026, driven by increased spending on professional services.<\/p>\n

                                                      \n OpenSky\u2122<\/strong>
                                                      \n Credit \u2013<\/strong> Portfolio credit metrics continued to be generally consistent with modeled expectations during 3Q 2026. The provision for credit losses of $4.1\u00a0million increased $0.1\u00a0million when compared to the prior quarter. Net charge-offs increased $0.3\u00a0million to $3.2\u00a0million in 3Q 2026 from $2.9 million in 2Q 2026. The $0.3\u00a0million increase in charge-offs was primarily driven by the secured product and is consistent with normal seasonality and expectations for the card business. On a year-over-year basis, net charge-offs for the secured product increased only $0.1\u00a0million, while net charge-offs for the unsecured product increased $1.0\u00a0million, driven by growth in the unsecured portfolio. The majority of OpenSky’s\u2122 unsecured loan product is offered to current and former secured card customers, where the Company has historical customer performance data. Unsecured loans have been offered by OpenSky\u2122 since the fourth quarter of 2021 and have generally performed in alignment with management expectations over that time period. OpenSky\u2122 has begun testing limited offers to new customers; this activity remains insignificant to the overall unsecured loan portfolio and total accounts, and balances are expected to remain de minimis through year-end as management monitors performance.<\/p>\n

                                                      \n
                                                      \n Capital Bank Home Loans<\/u>
                                                      \n <\/strong>\n <\/p>\n

                                                      Originations of loans held for sale totaled $75.3\u00a0million during 3Q 2026, with $47.9\u00a0million of mortgage loans sold resulting in a gain on sale of loans of $1.4\u00a0million, representing a 2.93% gain on sale as a percentage of total loans sold. Originations of loans held for sale totaled $106.9 million during 2Q 2026, with $87.1 million of mortgage loans sold resulting in a gain on sale of loans of $2.4 million, representing a 2.71% gain on sale as a percentage of total loans sold.<\/p>\n

                                                      \n
                                                      \n Windsor Advantage<\/u>
                                                      \n <\/strong>
                                                      \n \u2122<\/strong>\n <\/p>\n

                                                      Gross government loan servicing revenue totaled $6.7\u00a0million, including $1.7\u00a0million of Capital Bank related servicing fees, during 3Q 2026. Gross government loan servicing revenue totaled $6.6\u00a0million, including $1.3\u00a0million of Capital Bank related servicing fees, during 2Q 2026. Windsor’s\u2122 total servicing portfolio was $3.5\u00a0billion at September\u00a030, 2026, and $3.4 billion at June 30, 2026. In 3Q 2026, Windsor processed the closing of $183.9\u00a0million of government guaranteed loans, a 17.8% decrease from $223.6\u00a0million in 2Q 2026 and a 35.4% increase from $135.8\u00a0million in 3Q 2025.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n
                                                      \n COMPARATIVE FINANCIAL HIGHLIGHTS – Unaudited<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26 vs 2Q26<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q26 vs 3Q25<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands, except per share data)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $ Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n<\/tr>\n
                                                      \n Earnings Summary<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest income<\/td>\n$<\/td>\n72,292<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n69,959<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n64,891<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,333<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.3<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n7,401<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.4<\/td>\n%<\/td>\n<\/tr>\n
                                                      Interest expense<\/td>\n\u00a0<\/td>\n19,214<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,030<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,871<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n184<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.0<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,343<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49.3<\/td>\n%<\/td>\n<\/tr>\n
                                                      Net interest income<\/td>\n\u00a0<\/td>\n53,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,929<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n52,020<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,149<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.2<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,058<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.0<\/td>\n%<\/td>\n<\/tr>\n
                                                      Provision for credit losses<\/td>\n\u00a0<\/td>\n4,903<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,650<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,318<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36.8<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n253<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.4<\/td>\n%<\/td>\n<\/tr>\n
                                                      Provision for (release of) credit losses on unfunded commitments<\/td>\n\u00a0<\/td>\n(54<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n217<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(119<\/td>\n)<\/td>\n\u00a0<\/td>\n(183.1<\/td>\n)%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(271<\/td>\n)<\/td>\n\u00a0<\/td>\n(124.9<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Noninterest income<\/td>\n\u00a0<\/td>\n15,039<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,361<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,068<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n678<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.7<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,971<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35.9<\/td>\n%<\/td>\n<\/tr>\n
                                                      Noninterest expense<\/td>\n\u00a0<\/td>\n45,722<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,186<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38,354<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,536<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.9<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,368<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19.2<\/td>\n%<\/td>\n<\/tr>\n
                                                      Income before income taxes<\/td>\n\u00a0<\/td>\n17,546<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,454<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(908<\/td>\n)<\/td>\n\u00a0<\/td>\n(4.9<\/td>\n)%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,321<\/td>\n)<\/td>\n\u00a0<\/td>\n(11.7<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Income tax expense<\/td>\n\u00a0<\/td>\n4,424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,204<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,802<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n220<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.2<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(378<\/td>\n)<\/td>\n\u00a0<\/td>\n(7.9<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Net income<\/td>\n$<\/td>\n13,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,065<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(1,128<\/td>\n)<\/td>\n\u00a0<\/td>\n(7.9<\/td>\n)%<\/td>\n\u00a0<\/td>\n$<\/td>\n(1,943<\/td>\n)<\/td>\n\u00a0<\/td>\n(12.9<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Core net income(<\/sup>1)<\/sup><\/td>\n$<\/td>\n14,699<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n449<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.2<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n2,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.0<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Pre-tax pre-provision net revenue (“PPNR”)(1)<\/sup><\/td>\n$<\/td>\n22,395<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,104<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n24,734<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n291<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.3<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n(2,339<\/td>\n)<\/td>\n\u00a0<\/td>\n(9.5<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Core PPNR(<\/sup>1)<\/sup><\/td>\n$<\/td>\n23,972<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,104<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,868<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.5<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n3,159<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.2<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Common Share Data<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Earnings per share – Basic<\/td>\n$<\/td>\n0.81<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(0.06<\/td>\n)<\/td>\n\u00a0<\/td>\n(6.9<\/td>\n)%<\/td>\n\u00a0<\/td>\n$<\/td>\n(0.10<\/td>\n)<\/td>\n\u00a0<\/td>\n(11.0<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Earnings per share – Diluted<\/td>\n$<\/td>\n0.80<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.89<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(0.07<\/td>\n)<\/td>\n\u00a0<\/td>\n(8.0<\/td>\n)%<\/td>\n\u00a0<\/td>\n$<\/td>\n(0.09<\/td>\n)<\/td>\n\u00a0<\/td>\n(10.1<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Core earnings per share – Diluted(<\/sup>1)<\/sup><\/td>\n$<\/td>\n0.89<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.72<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.02<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.3<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n0.17<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23.6<\/td>\n%<\/td>\n<\/tr>\n
                                                      Weighted average common shares – Basic<\/td>\n\u00a0<\/td>\n16,294<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,586<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Weighted average common shares – Diluted<\/td>\n\u00a0<\/td>\n16,482<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,373<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,844<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Return Ratios<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Return on average assets (annualized)<\/td>\n\u00a0<\/td>\n1.38<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.77<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Core return on average assets (annualized)(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n1.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.43<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Return on average equity (annualized)<\/td>\n\u00a0<\/td>\n12.16<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Core return on average equity (annualized)(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n13.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.56<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Return on average tangible common equity (annualized)(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n13.62<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Core return on average tangible common equity (annualized)(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n15.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.15<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (1)\u00a0\u00a0\u00a0<\/sup>Refer to Appendix for reconciliation of non-GAAP measures.<\/p>\n

                                                      <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n
                                                      \n COMPARATIVE FINANCIAL HIGHLIGHTS – Unaudited (continued)<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      (in thousands, except per share data)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$ Change<\/td>\n\u00a0<\/td>\n% Change<\/td>\n<\/tr>\n
                                                      \n Earnings Summary<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n210,221<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n192,237<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,984<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.4<\/td>\n%<\/td>\n<\/tr>\n
                                                      Interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n56,816<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,524<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,292<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22.1<\/td>\n%<\/td>\n<\/tr>\n
                                                      Net interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n153,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n145,713<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,692<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.3<\/td>\n%<\/td>\n<\/tr>\n
                                                      Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,502<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,977<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n525<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.8<\/td>\n%<\/td>\n<\/tr>\n
                                                      Provision for credit losses on unfunded commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n216<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n217<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1<\/td>\n)<\/td>\n\u00a0<\/td>\n(0.5<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,773<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,723<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,050<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.5<\/td>\n%<\/td>\n<\/tr>\n
                                                      Noninterest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n132,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n115,979<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,610<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.3<\/td>\n%<\/td>\n<\/tr>\n
                                                      Income before income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n51,871<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n55,263<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,392<\/td>\n)<\/td>\n\u00a0<\/td>\n(6.1<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Income tax expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,481<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,130<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(649<\/td>\n)<\/td>\n\u00a0<\/td>\n(4.9<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Net income<\/td>\n\u00a0<\/td>\n$<\/td>\n39,390<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n42,133<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(2,743<\/td>\n)<\/td>\n\u00a0<\/td>\n(6.5<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Core net income(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n$<\/td>\n40,967<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n41,253<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(286<\/td>\n)<\/td>\n\u00a0<\/td>\n(0.7<\/td>\n)%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Pre-tax pre-provision net revenue (“PPNR”)(1)<\/sup><\/td>\n\u00a0<\/td>\n$<\/td>\n63,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n66,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(2,868<\/td>\n)<\/td>\n\u00a0<\/td>\n(4.3<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Core PPNR(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n$<\/td>\n65,166<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n65,200<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(34<\/td>\n)<\/td>\n\u00a0<\/td>\n(0.1<\/td>\n)%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Common Share Data<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Earnings per share – Basic<\/td>\n\u00a0<\/td>\n$<\/td>\n2.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2.54<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(0.12<\/td>\n)<\/td>\n\u00a0<\/td>\n(4.7<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Earnings per share – Diluted<\/td>\n\u00a0<\/td>\n$<\/td>\n2.40<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2.50<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(0.10<\/td>\n)<\/td>\n\u00a0<\/td>\n(4.0<\/td>\n)%<\/td>\n<\/tr>\n
                                                      Core earnings per share – Diluted(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n$<\/td>\n2.49<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2.45<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.04<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.6<\/td>\n%<\/td>\n<\/tr>\n
                                                      Weighted average common shares – Basic<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,309<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,611<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Weighted average common shares – Diluted<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,437<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Return Ratios<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Return on average assets (annualized)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.41<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.71<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Core return on average assets (annualized)(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.47<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Return on average equity (annualized)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.66<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.10<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Core return on average equity (annualized)(1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.17<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.79<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Return on average tangible common equity (annualized)(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.06<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Core return on average tangible common equity (annualized)(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.70<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (1)\u00a0\u00a0\u00a0<\/sup>Refer to Appendix for reconciliation of non-GAAP measures.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n
                                                      \n COMPARATIVE FINANCIAL HIGHLIGHTS – Unaudited (continued)<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\n September 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31,<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands, except per share data)<\/td>\n\n 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2026<\/strong>
                                                      \n \n <\/td>\n                                                      		\u00a0<\/td>\n\n 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \n Balance Sheet Highlights<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Assets<\/td>\n$<\/td>\n3,802,553<\/td>\n\u00a0<\/td>\n$<\/td>\n3,389,442<\/td>\n\u00a0<\/td>\n12.2<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n3,889,938<\/td>\n\u00a0<\/td>\n$<\/td>\n3,808,467<\/td>\n\u00a0<\/td>\n$<\/td>\n3,606,207<\/td>\n<\/tr>\n
                                                      Investment securities available-for-sale<\/td>\n\u00a0<\/td>\n214,486<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n232,640<\/td>\n\u00a0<\/td>\n(7.8<\/td>\n)%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n219,947<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n230,525<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n230,083<\/td>\n<\/tr>\n
                                                      Mortgage loans held for sale<\/td>\n\u00a0<\/td>\n74,251<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,146<\/td>\n\u00a0<\/td>\n424.9<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,370<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,739<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,828<\/td>\n<\/tr>\n
                                                      Portfolio loans receivable(2)<\/sup><\/td>\n\u00a0<\/td>\n3,114,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,821,983<\/td>\n\u00a0<\/td>\n10.4<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,085,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,026,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,959,457<\/td>\n<\/tr>\n
                                                      Allowance for credit losses<\/td>\n\u00a0<\/td>\n55,493<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n53,045<\/td>\n\u00a0<\/td>\n4.6<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54,680<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54,660<\/td>\n<\/tr>\n
                                                      Goodwill<\/td>\n\u00a0<\/td>\n25,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,969<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,969<\/td>\n<\/tr>\n
                                                      Intangible assets<\/td>\n\u00a0<\/td>\n13,989<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,033<\/td>\n\u00a0<\/td>\n(6.9<\/td>\n)%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,511<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,771<\/td>\n<\/tr>\n
                                                      Deposits<\/td>\n\u00a0<\/td>\n3,319,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,912,053<\/td>\n\u00a0<\/td>\n14.0<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,371,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,292,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,093,200<\/td>\n<\/tr>\n
                                                      FHLB borrowings<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,000<\/td>\n\u00a0<\/td>\n(100.0<\/td>\n)%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,000<\/td>\n<\/tr>\n
                                                      Other borrowed funds<\/td>\n\u00a0<\/td>\n2,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,062<\/td>\n\u00a0<\/td>\n(82.9<\/td>\n)%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,062<\/td>\n<\/tr>\n
                                                      Total stockholders’ equity<\/td>\n\u00a0<\/td>\n431,450<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n394,770<\/td>\n\u00a0<\/td>\n9.3<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n422,205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n408,859<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n401,757<\/td>\n<\/tr>\n
                                                      Tangible common equity(1)<\/sup><\/td>\n\u00a0<\/td>\n391,492<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n353,768<\/td>\n\u00a0<\/td>\n10.7<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n381,986<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n368,379<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n361,017<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Common shares outstanding<\/td>\n\u00a0<\/td>\n16,329<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,589<\/td>\n\u00a0<\/td>\n(1.6<\/td>\n)%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,289<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,286<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,373<\/td>\n<\/tr>\n
                                                      Book value per share<\/td>\n$<\/td>\n26.42<\/td>\n\u00a0<\/td>\n$<\/td>\n23.80<\/td>\n\u00a0<\/td>\n11.0<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n25.92<\/td>\n\u00a0<\/td>\n$<\/td>\n25.10<\/td>\n\u00a0<\/td>\n$<\/td>\n24.54<\/td>\n<\/tr>\n
                                                      Tangible book value per share(1)<\/sup><\/td>\n$<\/td>\n23.98<\/td>\n\u00a0<\/td>\n$<\/td>\n21.33<\/td>\n\u00a0<\/td>\n12.4<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n23.45<\/td>\n\u00a0<\/td>\n$<\/td>\n22.62<\/td>\n\u00a0<\/td>\n$<\/td>\n22.05<\/td>\n<\/tr>\n
                                                      Dividends per share<\/td>\n$<\/td>\n0.14<\/td>\n\u00a0<\/td>\n$<\/td>\n0.12<\/td>\n\u00a0<\/td>\n16.7<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n0.12<\/td>\n\u00a0<\/td>\n$<\/td>\n0.12<\/td>\n\u00a0<\/td>\n$<\/td>\n0.12<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (1)\u00a0\u00a0\u00a0<\/sup>Refer to Appendix for reconciliation of non-GAAP measures.
                                                      (2)\u00a0\u00a0\u00a0<\/sup>Loans are reflected net of deferred fees and costs.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n
                                                      \n Consolidated Statements of Income (Unaudited)<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\nJune 30, 2026<\/td>\n\u00a0<\/td>\nMarch 31, 2026<\/td>\n\u00a0<\/td>\nDecember 31, 2025<\/td>\n\u00a0<\/td>\nSeptember 30, 2025<\/td>\n\u00a0<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\nSeptember 30, 2025<\/td>\n<\/tr>\n
                                                      \n Interest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loans, including fees<\/td>\n\n $<\/strong>\n <\/td>\n\n 68,136<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n65,362<\/td>\n\u00a0<\/td>\n$<\/td>\n64,186<\/td>\n\u00a0<\/td>\n$<\/td>\n64,933<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n60,838<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 197,684<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n180,339<\/td>\n<\/tr>\n
                                                      Investment securities available-for-sale<\/td>\n\u00a0<\/td>\n\n 1,826<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,814<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,459<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,728<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,805<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,099<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,248<\/td>\n<\/tr>\n
                                                      Federal funds sold and other<\/td>\n\u00a0<\/td>\n\n 2,330<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,783<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,325<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,973<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,248<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,438<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,650<\/td>\n<\/tr>\n
                                                      Total interest income<\/td>\n\u00a0<\/td>\n\n 72,292<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n69,959<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n67,970<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n68,634<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n64,891<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 210,221<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n192,237<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Interest expense<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Deposits<\/td>\n\u00a0<\/td>\n\n 18,959<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,522<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,070<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,805<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,732<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 55,551<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,966<\/td>\n<\/tr>\n
                                                      Borrowed funds<\/td>\n\u00a0<\/td>\n\n 255<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n502<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n550<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n139<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,265<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n558<\/td>\n<\/tr>\n
                                                      Total interest expense<\/td>\n\u00a0<\/td>\n\n 19,214<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,030<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,572<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,355<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,871<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 56,816<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,524<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 53,078<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,929<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,279<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n52,020<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 153,405<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n145,713<\/td>\n<\/tr>\n
                                                      Provision for credit losses<\/td>\n\u00a0<\/td>\n\n 4,903<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,988<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,650<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,502<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,977<\/td>\n<\/tr>\n
                                                      Provision for (release of) credit losses on unfunded commitments<\/td>\n\u00a0<\/td>\n\n (54<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(29<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n217<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 216<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n217<\/td>\n<\/tr>\n
                                                      \n Net interest income after provision for credit losses<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 48,229<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47,279<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,179<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,320<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47,153<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 141,687<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n134,519<\/td>\n<\/tr>\n
                                                      \n Noninterest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Service charges on deposits<\/td>\n\u00a0<\/td>\n\n 418<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n403<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n425<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,230<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n945<\/td>\n<\/tr>\n
                                                      Credit card fees<\/td>\n\u00a0<\/td>\n\n 4,520<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,395<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,692<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,837<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,509<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 13,607<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,529<\/td>\n<\/tr>\n
                                                      Mortgage banking revenue<\/td>\n\u00a0<\/td>\n\n 1,849<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,960<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,556<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,960<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,927<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,365<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,512<\/td>\n<\/tr>\n
                                                      Government lending revenue<\/td>\n\u00a0<\/td>\n\n 1,474<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,207<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n923<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,604<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,222<\/td>\n<\/tr>\n
                                                      Government loan servicing revenue<\/td>\n\u00a0<\/td>\n\n 5,073<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,303<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,345<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,036<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 14,721<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,477<\/td>\n<\/tr>\n
                                                      Loan servicing rights<\/td>\n\u00a0<\/td>\n\n 523<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n292<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n497<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n295<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n368<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,312<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n250<\/td>\n<\/tr>\n
                                                      Other income (loss)<\/td>\n\u00a0<\/td>\n\n 1,182<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n795<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n957<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n965<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(440<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,934<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,788<\/td>\n<\/tr>\n
                                                      Total noninterest income<\/td>\n\u00a0<\/td>\n\n 15,039<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,361<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,373<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,464<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,068<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 42,773<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,723<\/td>\n<\/tr>\n
                                                      \n Noninterest expenses<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Salaries and employee benefits<\/td>\n\u00a0<\/td>\n\n 21,116<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,067<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,317<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,914<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,728<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 61,500<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54,255<\/td>\n<\/tr>\n
                                                      Occupancy and equipment<\/td>\n\u00a0<\/td>\n\n 4,144<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,942<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,562<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,638<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,849<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,648<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,754<\/td>\n<\/tr>\n
                                                      Professional fees<\/td>\n\u00a0<\/td>\n\n 4,919<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,125<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,965<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,294<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 14,009<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,665<\/td>\n<\/tr>\n
                                                      Data processing<\/td>\n\u00a0<\/td>\n\n 7,708<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,551<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,767<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,502<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,654<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 23,026<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,286<\/td>\n<\/tr>\n
                                                      Advertising<\/td>\n\u00a0<\/td>\n\n 1,566<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,816<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,466<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,714<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,848<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,864<\/td>\n<\/tr>\n
                                                      Loan processing<\/td>\n\u00a0<\/td>\n\n 543<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,475<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,383<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,152<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,114<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,401<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,836<\/td>\n<\/tr>\n
                                                      Merger-related expenses<\/td>\n\u00a0<\/td>\n\n 1,577<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n697<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,577<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,361<\/td>\n<\/tr>\n
                                                      Operational and other card fraud related losses<\/td>\n\u00a0<\/td>\n\n 930<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n690<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n690<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n750<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n923<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,310<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,759<\/td>\n<\/tr>\n
                                                      Regulatory assessment expenses<\/td>\n\u00a0<\/td>\n\n 930<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n925<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n941<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n740<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,796<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,513<\/td>\n<\/tr>\n
                                                      Other operating<\/td>\n\u00a0<\/td>\n\n 2,289<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,595<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,590<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,597<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,804<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,474<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,686<\/td>\n<\/tr>\n
                                                      Total noninterest expenses<\/td>\n\u00a0<\/td>\n\n 45,722<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,186<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38,354<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 132,589<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n115,979<\/td>\n<\/tr>\n
                                                      Income before income taxes<\/td>\n\u00a0<\/td>\n\n 17,546<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,454<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,871<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 51,871<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n55,263<\/td>\n<\/tr>\n
                                                      Income tax expense<\/td>\n\u00a0<\/td>\n\n 4,424<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,204<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,853<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,644<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,802<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12,481<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,130<\/td>\n<\/tr>\n
                                                      \n Net income<\/strong>\n <\/td>\n\n $<\/strong>\n <\/td>\n\n 13,122<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n$<\/td>\n12,018<\/td>\n\u00a0<\/td>\n$<\/td>\n15,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,065<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 39,390<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n42,133<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n
                                                      \n Consolidated Balance Sheets<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\n (unaudited)<\/strong>\n <\/td>\n\u00a0<\/td>\n(unaudited)<\/td>\n\u00a0<\/td>\n(unaudited)<\/td>\n\u00a0<\/td>\n(audited)<\/td>\n\u00a0<\/td>\n(unaudited)<\/td>\n<\/tr>\n
                                                      (in thousands, except share data)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\nJune 30, 2026<\/td>\n\u00a0<\/td>\nMarch 31, 2026<\/td>\n\u00a0<\/td>\nDecember 31, 2025<\/td>\n\u00a0<\/td>\nSeptember 30, 2025<\/td>\n<\/tr>\n
                                                      \n Assets<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Cash and due from banks<\/td>\n\n $<\/strong>\n <\/td>\n\n 15,563<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n24,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20,182<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n30,894<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n25,724<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest-bearing deposits at other financial institutions<\/td>\n\u00a0<\/td>\n\n 246,469<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n393,428<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n379,069<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n224,611<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n163,078<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Federal funds sold<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n60<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n60<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n60<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n59<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total cash and cash equivalents<\/td>\n\u00a0<\/td>\n\n 262,032<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n418,259<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n399,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n255,565<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n188,861<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Investment securities available-for-sale<\/td>\n\u00a0<\/td>\n\n 214,486<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n219,947<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n230,525<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n230,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n232,640<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Restricted investments<\/td>\n\u00a0<\/td>\n\n 6,360<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,707<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,691<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,397<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,057<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loans held for sale(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\n 74,251<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,370<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,739<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,828<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,146<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Portfolio loans receivable, net of deferred fees and costs<\/td>\n\u00a0<\/td>\n\n 3,114,264<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,085,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,026,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,959,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,821,983<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less allowance for credit losses<\/td>\n\u00a0<\/td>\n\n (55,493<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(54,431<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(54,680<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(54,660<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(53,045<\/td>\n)<\/td>\n<\/tr>\n
                                                      Total portfolio loans held for investment, net<\/td>\n\u00a0<\/td>\n\n 3,058,771<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,031,519<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,971,751<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,904,797<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,768,938<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Premises and equipment, net(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\n 17,531<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,669<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,732<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,072<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,304<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Accrued interest receivable<\/td>\n\u00a0<\/td>\n\n 23,189<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,429<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,795<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,695<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,011<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Goodwill<\/td>\n\u00a0<\/td>\n\n 25,969<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,969<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Intangible assets<\/td>\n\u00a0<\/td>\n\n 13,989<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,511<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,033<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan servicing assets<\/td>\n\u00a0<\/td>\n\n 1,994<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,847<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,957<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,816<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,070<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Deferred tax asset<\/td>\n\u00a0<\/td>\n\n 18,206<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,504<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,992<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,885<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Bank owned life insurance<\/td>\n\u00a0<\/td>\n\n 46,654<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,260<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,871<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,488<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,105<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other assets<\/td>\n\u00a0<\/td>\n\n 39,121<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47,208<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,428<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,734<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,423<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total assets<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,802,553<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,889,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,808,467<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,606,207<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,389,442<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Liabilities<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest-bearing<\/td>\n\n $<\/strong>\n <\/td>\n\n 844,536<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n897,363<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n871,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n852,741<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n857,543<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest-bearing<\/td>\n\u00a0<\/td>\n\n 2,474,599<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,473,740<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,420,370<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,240,459<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,054,510<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total deposits(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\n 3,319,135<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,371,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,292,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,093,200<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,912,053<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Federal Home Loan Bank advances<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,000<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other borrowed funds<\/td>\n\u00a0<\/td>\n\n 2,062<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,062<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Accrued interest payable<\/td>\n\u00a0<\/td>\n\n 6,843<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,606<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,944<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,045<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other liabilities<\/td>\n\u00a0<\/td>\n\n 43,063<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,962<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,555<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,443<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,512<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total liabilities<\/td>\n\u00a0<\/td>\n\n 3,371,103<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,467,733<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,399,608<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,204,450<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,994,672<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Stockholders’ equity<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Common stock<\/td>\n\u00a0<\/td>\n\n 163<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n163<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n163<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n164<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n166<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Additional paid-in capital<\/td>\n\u00a0<\/td>\n\n 114,557<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n113,217<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n112,268<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n114,604<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,707<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Retained earnings<\/td>\n\u00a0<\/td>\n\n 325,944<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n315,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n302,808<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n292,749<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n279,693<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Accumulated other comprehensive loss<\/td>\n\u00a0<\/td>\n\n (9,214<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6,278<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6,380<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,760<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6,796<\/td>\n)<\/td>\n<\/tr>\n
                                                      Total stockholders’ equity<\/td>\n\u00a0<\/td>\n\n 431,450<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n422,205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n408,859<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n401,757<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n394,770<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total liabilities and stockholders’ equity<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,802,553<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,889,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,808,467<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,606,207<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,389,442<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (1)\u00a0\u00a0\u00a0<\/sup>Balances include held for sale transactions in connection with sale of Chicago branch.<\/p>\n

                                                      The following tables show the average outstanding balance of each principal category of our assets, liabilities and stockholders\u2019 equity, together with the average yields on our assets and the average costs of our liabilities for the periods indicated. Such yields and costs are calculated by dividing the annualized income or expense by the average daily balances of the corresponding assets or liabilities for the same period.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \u00a0<\/td>\n\n Three Months Ended<\/strong>
                                                      \n
                                                      \n September 30, 2026<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\nThree Months Ended
                                                      June 30, 2026<\/td>\n                                                      		\u00a0<\/td>\nThree Months Ended
                                                      September 30, 2025<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\n Average<\/strong>
                                                      \n
                                                      \n Outstanding<\/strong>
                                                      \n
                                                      \n Balance<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n Interest Income\/<\/strong>
                                                      \n
                                                      \n Expense<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n Average<\/strong>
                                                      \n
                                                      \n Yield\/<\/strong>
                                                      \n
                                                      \n Rate<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 1)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\nAverage
                                                      Outstanding
                                                      Balance<\/td>\n                                                      		\u00a0<\/td>\nInterest Income\/
                                                      Expense<\/td>\n                                                      		\u00a0<\/td>\nAverage
                                                      Yield\/
                                                      Rate(<\/sup>1)<\/sup><\/td>\n                                                      		\u00a0<\/td>\nAverage
                                                      Outstanding
                                                      Balance<\/td>\n                                                      		\u00a0<\/td>\nInterest Income\/
                                                      Expense<\/td>\n                                                      		\u00a0<\/td>\nAverage
                                                      Yield\/
                                                      Rate(<\/sup>1)<\/sup><\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\n (in thousands)<\/strong>\n <\/td>\n<\/tr>\n
                                                      \n Assets<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest earning assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest-bearing deposits<\/td>\n\n $<\/strong>\n <\/td>\n\n 242,761<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 2,218<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3.62<\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n295,167<\/td>\n\u00a0<\/td>\n$<\/td>\n2,646<\/td>\n\u00a0<\/td>\n3.60<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n194,858<\/td>\n\u00a0<\/td>\n$<\/td>\n2,139<\/td>\n\u00a0<\/td>\n4.36<\/td>\n%<\/td>\n<\/tr>\n
                                                      Federal funds sold<\/td>\n\u00a0<\/td>\n\n 22<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n60<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n59<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1<\/td>\n\u00a0<\/td>\n5.79<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Investment securities available-for-sale<\/td>\n\u00a0<\/td>\n\n 227,537<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,826<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3.18<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n240,102<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,814<\/td>\n\u00a0<\/td>\n3.03<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n241,086<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,805<\/td>\n\u00a0<\/td>\n2.97<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Restricted investments<\/td>\n\u00a0<\/td>\n\n 7,441<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 112<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 5.97<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,701<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n137<\/td>\n\u00a0<\/td>\n6.32<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,052<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n108<\/td>\n\u00a0<\/td>\n6.06<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loans held for sale(2)(3)<\/sup><\/td>\n\u00a0<\/td>\n\n 11,630<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 194<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 6.62<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,381<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n252<\/td>\n\u00a0<\/td>\n5.82<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,783<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n228<\/td>\n\u00a0<\/td>\n6.57<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Portfolio loans receivable(<\/sup>3)(4)<\/sup><\/td>\n\u00a0<\/td>\n\n 3,135,648<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 67,942<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 8.60<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,058,476<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65,110<\/td>\n\u00a0<\/td>\n8.54<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,789,815<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n60,610<\/td>\n\u00a0<\/td>\n8.62<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total interest earning assets<\/td>\n\u00a0<\/td>\n\n 3,625,039<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 72,292<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 7.91<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,619,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n69,959<\/td>\n\u00a0<\/td>\n7.75<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,246,653<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n64,891<\/td>\n\u00a0<\/td>\n7.93<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest earning assets(<\/sup>2)<\/sup><\/td>\n\u00a0<\/td>\n\n 140,002<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n141,624<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n131,643<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total assets<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,765,041<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,761,511<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,378,296<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Liabilities and Stockholders\u2019 Equity<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest-bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest-bearing demand accounts<\/td>\n\n $<\/strong>\n <\/td>\n\n 332,684<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 768<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 0.92<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n346,671<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n816<\/td>\n\u00a0<\/td>\n0.94<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n282,873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n388<\/td>\n\u00a0<\/td>\n0.54<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Savings<\/td>\n\u00a0<\/td>\n\n 22,479<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 115<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2.03<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,790<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n70<\/td>\n\u00a0<\/td>\n1.58<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15<\/td>\n\u00a0<\/td>\n0.47<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Money market accounts<\/td>\n\u00a0<\/td>\n\n 1,375,162<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,389<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3.29<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,315,061<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,797<\/td>\n\u00a0<\/td>\n3.29<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n985,106<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,650<\/td>\n\u00a0<\/td>\n3.48<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Time deposits<\/td>\n\u00a0<\/td>\n\n 703,072<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6,687<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3.77<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n722,144<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,839<\/td>\n\u00a0<\/td>\n3.80<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n815,302<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,679<\/td>\n\u00a0<\/td>\n1.79<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Borrowed funds<\/td>\n\u00a0<\/td>\n\n 25,051<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 255<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 4.04<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n52,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n508<\/td>\n\u00a0<\/td>\n3.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n139<\/td>\n\u00a0<\/td>\n1.62<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total interest-bearing liabilities(<\/sup>2)<\/sup><\/td>\n\u00a0<\/td>\n\n 2,458,448<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 19,214<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3.10<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,453,728<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,030<\/td>\n\u00a0<\/td>\n3.11<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,130,230<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,871<\/td>\n\u00a0<\/td>\n2.40<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest-bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest-bearing liabilities<\/td>\n\u00a0<\/td>\n\n 46,904<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n51,427<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,245<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest-bearing deposits(<\/sup>2)<\/sup><\/td>\n\u00a0<\/td>\n\n 831,739<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n842,312<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n820,899<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n\n 427,950<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n414,044<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n383,922<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total liabilities and stockholders\u2019 equity<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,765,041<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,761,511<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,378,296<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Net interest spread<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4.81<\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.64<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.53<\/td>\n%<\/td>\n<\/tr>\n
                                                      Net interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 53,078<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,929<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n52,020<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Net interest margin(<\/sup>5)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5.81<\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.64<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.36<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (1)\u00a0\u00a0\u00a0<\/sup>Annualized.
                                                      (2)\u00a0\u00a0\u00a0<\/sup>Balances include held for sale transactions in connection with sale of Chicago branch.
                                                      (3)\u00a0\u00a0\u00a0<\/sup>Average balances include nonaccrual loans. As of September 30, 2026, nonaccrual loans of $0.3 million were included in Loans held for sale and $56.4 million in Portfolio loans receivable.
                                                      (4)\u00a0\u00a0\u00a0<\/sup>For the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, Core Loan Yield was 6.83%, 6.77% and 6.74%, respectively.
                                                      (5)\u00a0\u00a0\u00a0<\/sup>For the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, Core Net Interest Margin was 4.18%, 4.04% and 4.66%, respectively.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \u00a0<\/td>\n\n Nine Months Ended September 30,<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\n 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2025<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\n Average<\/strong>
                                                      \n
                                                      \n Outstanding<\/strong>
                                                      \n
                                                      \n Balance<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n Interest Income\/<\/strong>
                                                      \n
                                                      \n Expense<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n Average<\/strong>
                                                      \n
                                                      \n Yield\/<\/strong>
                                                      \n
                                                      \n Rate<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 1)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\nAverage
                                                      Outstanding
                                                      Balance<\/td>\n                                                      		\u00a0<\/td>\nInterest Income\/
                                                      Expense<\/td>\n                                                      		\u00a0<\/td>\nAverage
                                                      Yield\/
                                                      Rate(<\/sup>1)<\/sup><\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\n (in thousands)<\/strong>\n <\/td>\n<\/tr>\n
                                                      \n Assets<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest earning assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest-bearing deposits<\/td>\n\n $<\/strong>\n <\/td>\n\n 261,412<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 7,063<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3.61<\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n193,337<\/td>\n\u00a0<\/td>\n$<\/td>\n6,342<\/td>\n\u00a0<\/td>\n4.39<\/td>\n%<\/td>\n<\/tr>\n
                                                      Federal funds sold<\/td>\n\u00a0<\/td>\n\n 47<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2.84<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n59<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2<\/td>\n\u00a0<\/td>\n4.24<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Investment securities available-for-sale<\/td>\n\u00a0<\/td>\n\n 233,592<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,099<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2.92<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n235,690<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,248<\/td>\n\u00a0<\/td>\n2.98<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Restricted investments<\/td>\n\u00a0<\/td>\n\n 8,191<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 373<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 6.09<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,622<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n306<\/td>\n\u00a0<\/td>\n6.17<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loans held for sale(2)(3)<\/sup><\/td>\n\u00a0<\/td>\n\n 13,971<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 623<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 5.96<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,046<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n629<\/td>\n\u00a0<\/td>\n7.62<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Portfolio loans receivable(<\/sup>3)(4)<\/sup><\/td>\n\u00a0<\/td>\n\n 3,067,904<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 197,062<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 8.59<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,719,834<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n179,710<\/td>\n\u00a0<\/td>\n8.83<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total interest earning assets<\/td>\n\u00a0<\/td>\n\n 3,585,117<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 210,221<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 7.84<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,166,588<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n192,237<\/td>\n\u00a0<\/td>\n8.12<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest earning assets(<\/sup>2)<\/sup><\/td>\n\u00a0<\/td>\n\n 141,434<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n131,582<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total assets<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,726,551<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,298,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Liabilities and Stockholders\u2019 Equity<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest-bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest-bearing demand accounts<\/td>\n\n $<\/strong>\n <\/td>\n\n 314,587<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 1,998<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 0.85<\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n269,184<\/td>\n\u00a0<\/td>\n$<\/td>\n1,147<\/td>\n\u00a0<\/td>\n0.57<\/td>\n%<\/td>\n<\/tr>\n
                                                      Savings<\/td>\n\u00a0<\/td>\n\n 18,022<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 214<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 1.59<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,044<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49<\/td>\n\u00a0<\/td>\n0.51<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Money market accounts<\/td>\n\u00a0<\/td>\n\n 1,293,968<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 31,666<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3.27<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n927,044<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,071<\/td>\n\u00a0<\/td>\n3.47<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Time deposits<\/td>\n\u00a0<\/td>\n\n 755,275<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 21,673<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3.84<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n830,451<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,699<\/td>\n\u00a0<\/td>\n3.33<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Borrowed funds<\/td>\n\u00a0<\/td>\n\n 42,959<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,265<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3.94<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n558<\/td>\n\u00a0<\/td>\n2.19<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total interest-bearing liabilities(<\/sup>2)<\/sup><\/td>\n\u00a0<\/td>\n\n 2,424,811<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 56,816<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3.13<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,073,785<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,524<\/td>\n\u00a0<\/td>\n3.00<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest-bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest-bearing liabilities<\/td>\n\u00a0<\/td>\n\n 54,081<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n48,374<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest-bearing deposits(<\/sup>2)<\/sup><\/td>\n\u00a0<\/td>\n\n 831,811<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n802,991<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n\n 415,848<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n373,020<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total liabilities and stockholders\u2019 equity<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,726,551<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,298,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Net interest spread<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4.71<\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.12<\/td>\n%<\/td>\n<\/tr>\n
                                                      Net interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 153,405<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n145,713<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Net interest margin(<\/sup>5)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5.72<\/strong>\n <\/td>\n\n %<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.15<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (1)\u00a0\u00a0\u00a0<\/sup>Annualized.
                                                      (2)\u00a0\u00a0\u00a0<\/sup>Balances include held for sale transactions in connection with sale of Chicago branch.
                                                      (3)\u00a0\u00a0\u00a0<\/sup>Average balances include nonaccrual loans. As of September 30, 2026, nonaccrual loans of $0.3 million were included in Loans held for sale and $56.4 million in Portfolio loans receivable.
                                                      (4)\u00a0\u00a0\u00a0<\/sup>For the nine months ended September 30, 2026 and 2025, collectively. Core Loan Yield was 6.84% and 7.01%, respectively.
                                                      (5)\u00a0\u00a0\u00a0<\/sup>For the nine months ended September 30, 2026 and 2025, collectively. Core Net Interest Margin was 4.12% and 4.48%, respectively.<\/p>\n

                                                      The Company\u2019s reportable segments represent business units with discrete financial information whose results are regularly reviewed by management. The four segments include Commercial Banking, OpenSky\u2122 (the Company\u2019s credit card division), Windsor Advantage\u2122 and Capital Bank Home Loans (the Company\u2019s mortgage loan division).<\/p>\n

                                                      The following schedules reported internally for performance assessment by the chief operating decision maker presents financial information for each reportable segment for the periods indicated. Total assets are presented as of September 30, 2026, June\u00a030, 2026, and September 30, 2025.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Segments<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n For the three months ended September 30, 2026<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\u00a0<\/td>\n\n Commercial Bank<\/strong>\n <\/td>\n\u00a0<\/td>\n\n OpenSky<\/strong>
                                                      \n \u2122<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n Windsor Advantage<\/strong>
                                                      \n \u2122<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n CBHL<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Consolidated<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest income<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 55,580<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 16,517<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 195<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 72,292<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 19,128<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 86<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 19,214<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 36,452<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 16,517<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 109<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 53,078<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 833<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,070<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,903<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Release of credit losses on unfunded commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (54<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (54<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income after provision<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 35,673<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12,447<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 109<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 48,229<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Service charges on deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 418<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 418<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Credit card fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,520<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,520<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Mortgage banking revenue<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 490<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,359<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,849<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Government lending revenue<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,474<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,474<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Government loan servicing revenue(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (1,665<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6,738<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,073<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan servicing rights<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 523<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 523<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 877<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 31<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 269<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,182<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,117<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,551<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6,743<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,628<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 15,039<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest expenses<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Salaries and employee benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,879<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,319<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,095<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,823<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 21,116<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,441<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,064<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 436<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 203<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,144<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Professional fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,469<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,736<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 287<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 427<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,919<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Data processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 442<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,152<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 62<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 52<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,708<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Advertising<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,183<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 143<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 123<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 117<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,566<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 266<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 271<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 543<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Merger-related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,577<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,577<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Operational and other card fraud related losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 73<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 812<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 23<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 22<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 930<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Regulatory assessment expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 563<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 232<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 70<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 65<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 930<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other operating<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,332<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 262<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 563<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 132<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,289<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total noninterest expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 22,225<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 15,725<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,660<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,112<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 45,722<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net income (loss) before taxes<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 15,565<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 1,273<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 2,083<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n (1,375<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 17,546<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total assets<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,607,589<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 144,462<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 28,508<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 21,994<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,802,553<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (1)\u00a0\u00a0\u00a0<\/sup>Gross government loan servicing revenue totaled $6.7 million, including $1.7 million of servicing fees earned from the Commercial Bank by Windsor\u2122, for the three months ended September 30, 2026.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Segments<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n For the three months ended June 30, 2026<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\u00a0<\/td>\n\n Commercial Bank<\/strong>\n <\/td>\n\u00a0<\/td>\n\n OpenSky<\/strong>
                                                      \n \u2122<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n Windsor Advantage<\/strong>
                                                      \n \u2122<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n CBHL<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Consolidated<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest income<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 53,712<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 15,995<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 252<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 69,959<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 18,894<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 136<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 19,030<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 34,818<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 15,995<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 116<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 50,929<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Provision for (release of) credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (432<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,017<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,585<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Provision for credit losses on unfunded commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 65<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 65<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income after provision<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 35,185<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,978<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 116<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 47,279<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Service charges on deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 409<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 409<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Credit card fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,395<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,395<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Mortgage banking revenue<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 278<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,682<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,960<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Government lending revenue<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,207<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,207<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Government loan servicing revenue(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (1,256<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6,559<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,303<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan servicing rights<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 292<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 292<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 618<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 30<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 147<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 795<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,548<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,425<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6,559<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,829<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 14,361<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest expenses<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Salaries and employee benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12,048<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,792<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,625<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,602<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 20,067<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,315<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,047<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 391<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 189<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,942<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Professional fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,233<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,228<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 271<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 393<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,125<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Data processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 452<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6,983<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 67<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 49<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,551<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Advertising<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 765<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 598<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 297<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 156<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,816<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 927<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 271<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 268<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,475<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Merger-related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Operational and other card fraud related losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 72<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 618<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 690<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Regulatory assessment expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 583<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 214<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 64<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 64<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 925<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other operating<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,277<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 639<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 558<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 121<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,595<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total noninterest expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 20,672<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 15,390<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,282<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,842<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 43,186<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net income (loss) before taxes<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 16,061<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 1,013<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 2,277<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n (897<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 18,454<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total assets<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,689,273<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 143,716<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 27,818<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 29,131<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,889,938<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (1<\/sup>
                                                      \n )<\/sup>\u00a0 Gross government loan servicing revenue totaled $6.6 million, including $1.3 million of servicing fees earned from the Commercial Bank by Windsor\u2122, for the three months ended June 30, 2026.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Segments<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n For the three months ended September 30, 2025<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\u00a0<\/td>\n\n Commercial Bank<\/strong>\n <\/td>\n\u00a0<\/td>\n\n OpenSky<\/strong>
                                                      \n \u2122<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n Windsor Advantage<\/strong>
                                                      \n \u2122<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n CBHL<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Consolidated<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest income(<\/sup>2)<\/sup><\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 49,035<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 15,628<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 228<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 64,891<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12,768<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 103<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12,871<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 36,267<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 15,628<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 125<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 52,020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,852<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,798<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,650<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Provision for credit losses on unfunded commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 217<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 217<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income after provision<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 34,198<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12,830<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 125<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 47,153<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Service charges on deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 425<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 425<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Credit card fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,509<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,509<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Mortgage banking revenue<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 315<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,612<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,927<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Government lending revenue<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 14<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 14<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Government loan servicing revenue(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (1,074<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,339<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,265<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan servicing rights<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 368<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 368<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other income (loss)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (557<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (33<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 150<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (440<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (509<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,476<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,339<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,762<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,068<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest expenses<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Salaries and employee benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 10,559<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,271<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,455<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,443<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 17,728<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,635<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 632<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 416<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 166<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,849<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Professional fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,079<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 571<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 198<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 283<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,131<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Data processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 350<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,154<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 97<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 53<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,654<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Advertising<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 694<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 833<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 76<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 111<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,714<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 740<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 15<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 67<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 292<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,114<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Merger-related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 697<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 697<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Operational and other card fraud related losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 923<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 923<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Regulatory assessment expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 788<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (30<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (11<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (7<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 740<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other operating<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,493<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 587<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 614<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 110<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,804<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total noninterest expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 18,035<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 13,956<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,912<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,451<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 38,354<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net income (loss) before taxes<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 15,654<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,350<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 1,427<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n (564<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 19,867<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total assets<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,213,222<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 134,422<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 21,743<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 20,055<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,389,442<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________
                                                      (1<\/sup>)\u00a0<\/sup>\u00a0Gross government loan servicing revenue totaled $5.3 million, including $1.1 million of servicing fees earned from the Commercial Bank by Windsor\u2122, for the three months ended September 30, 2025.
                                                      (2)<\/sup>\u00a0\u00a0\u00a0Interest income of $49.0 million for the Commercial Bank includes the $1.3 million Interest Income Adjustment.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Segments<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n For the nine months ended September 30, 2026<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\u00a0<\/td>\n\n Commercial Bank<\/strong>\n <\/td>\n\u00a0<\/td>\n\n OpenSky<\/strong>
                                                      \n \u2122<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n Windsor Advantage<\/strong>
                                                      \n \u2122<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n CBHL<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Consolidated<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest income<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 162,024<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 47,573<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 624<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 210,221<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 56,494<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 322<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 56,816<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 105,530<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 47,573<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 302<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 153,405<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 745<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 10,757<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,502<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Provision for credit losses on unfunded commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 216<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 216<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income after provision<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 104,569<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 36,816<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 302<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 141,687<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Service charges on deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,230<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,230<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Credit card fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 13,607<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 13,607<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Mortgage banking revenue<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,184<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,181<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,365<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Government lending revenue<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,604<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,604<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Government loan servicing revenue(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (4,183<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 18,904<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 14,721<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan servicing rights<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,312<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,312<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,202<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 73<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 654<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,934<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,349<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 13,680<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 18,909<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,835<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 42,773<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest expenses<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Salaries and employee benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 36,017<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,998<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 8,384<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,101<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 61,500<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6,626<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,229<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,219<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 574<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,648<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Professional fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,170<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,825<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 836<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,178<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 14,009<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Data processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,439<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 21,242<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 188<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 157<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 23,026<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Advertising<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,666<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,333<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 480<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 369<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,848<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,269<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 323<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 32<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 777<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,401<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Merger-related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,577<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,577<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Operational and other card fraud related losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 210<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,055<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 23<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 22<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,310<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Regulatory assessment expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,744<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 661<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 200<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 191<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,796<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other operating<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,749<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,616<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,726<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 383<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,474<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total noninterest expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 63,467<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 47,282<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 13,088<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 8,752<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 132,589<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net income (loss) before taxes<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 46,451<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,214<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 5,821<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n (3,615<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 51,871<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total assets<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,607,589<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 144,462<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 28,508<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 21,994<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,802,553<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________
                                                      (1<\/sup>)<\/sup>\u00a0 Gross government loan servicing revenue totaled $18.9 million, including $4.2 million of servicing fees earned from the Commercial Bank by Windsor\u2122, for the nine months ended September 30, 2026.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Segments<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n For the nine months ended September 30, 2025<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\u00a0<\/td>\n\n Commercial Bank<\/strong>\n <\/td>\n\u00a0<\/td>\n\n OpenSky<\/strong>
                                                      \n \u2122<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n Windsor Advantage<\/strong>
                                                      \n \u2122<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n CBHL<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Consolidated<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest income<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 147,128<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 44,566<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 543<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 192,237<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 46,273<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 251<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 46,524<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 100,855<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 44,566<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 292<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 145,713<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,457<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,520<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 10,977<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Provision for credit losses on unfunded commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 217<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 217<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net interest income after provision<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 97,181<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 37,046<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 292<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 134,519<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest income<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Service charges on deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 945<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 945<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Credit card fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12,529<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12,529<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Mortgage banking revenue<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,043<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,469<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,512<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Government lending revenue<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,222<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,222<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Government loan servicing revenue(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n (3,164<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 14,641<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,477<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan servicing rights<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 250<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 250<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,215<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 570<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,788<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,511<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12,532<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 14,641<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,039<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 36,723<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest expenses<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Salaries and employee benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 32,275<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 10,019<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,370<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,591<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 54,255<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 5,115<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,693<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,495<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 451<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 8,754<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Professional fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,802<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,714<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 389<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 760<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6,665<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Data processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,244<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 20,633<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 283<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 126<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 22,286<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Advertising<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,207<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,177<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 215<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 265<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,864<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Loan processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,867<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 58<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 128<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 783<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,836<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Merger-related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,361<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3,361<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Operational and other card fraud related losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 131<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,628<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,759<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Regulatory assessment expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,513<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n \u2014<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2,513<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other operating<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 4,719<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,441<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 1,222<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 304<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,686<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total noninterest expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 57,234<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 40,363<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 11,102<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 7,280<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 115,979<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net income (loss) before taxes<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 44,458<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 9,215<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,539<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n (1,949<\/strong>\n <\/td>\n\n )<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 55,263<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total assets<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,213,222<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 134,422<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 21,743<\/strong>\n <\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 20,055<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n $<\/strong>\n <\/td>\n\n 3,389,442<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________
                                                      (1<\/sup>)\u00a0<\/sup> Gross government loan servicing revenue totaled $14.6 million, including $3.2 million of servicing fees earned from the Commercial Bank by Windsor\u2122, for the nine months ended September 30, 2025.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n
                                                      \n HISTORICAL FINANCIAL HIGHLIGHTS – Unaudited<\/u>
                                                      \n <\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands, except per share data)<\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>
                                                      \n
                                                      \n 2026<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31,<\/strong>
                                                      \n
                                                      \n 2026<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n December 31,<\/strong>
                                                      \n
                                                      \n 2025<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n September 30,<\/strong>
                                                      \n
                                                      \n 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \n
                                                      \n Earnings:<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Net income<\/td>\n\u00a0<\/td>\n$<\/td>\n13,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,018<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,065<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Earnings per common share, diluted<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.80<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.73<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.89<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Net interest margin<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.64<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.71<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.94<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.36<\/td>\n%<\/td>\n<\/tr>\n
                                                      Core net interest margin(<\/sup>2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.18<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.04<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.15<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.19<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.66<\/td>\n%<\/td>\n<\/tr>\n
                                                      Return on average assets(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.38<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.33<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.71<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.77<\/td>\n%<\/td>\n<\/tr>\n
                                                      Return on average equity(<\/sup>1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.16<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.57<\/td>\n%<\/td>\n<\/tr>\n
                                                      Efficiency ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n67.12<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66.14<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n69.59<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62.32<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n60.79<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n Balance Sheet:<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total portfolio loans receivable, net deferred fees<\/td>\n\u00a0<\/td>\n$<\/td>\n3,114,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,085,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,026,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,959,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,821,983<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,319,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,371,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,292,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,093,200<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,912,053<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,802,553<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,889,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,808,467<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,606,207<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,389,442<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total stockholders’ equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n431,450<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n422,205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n408,859<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n401,757<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n394,770<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total average portfolio loans receivable, net deferred fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,135,648<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,058,476<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,008,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,902,033<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,789,815<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total average deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,265,136<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,243,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,130,392<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,992,784<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,917,067<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Portfolio loans-to-deposit ratio (period-end balances)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93.83<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n91.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n91.93<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n95.68<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96.91<\/td>\n%<\/td>\n<\/tr>\n
                                                      Portfolio loans-to-deposit ratio (average balances)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n94.28<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96.10<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96.97<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n95.64<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n Asset Quality Ratios:<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Nonperforming assets to total assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.59<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.56<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.56<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.62<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.54<\/td>\n%<\/td>\n<\/tr>\n
                                                      Nonperforming loans to total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.82<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.83<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.84<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.85<\/td>\n%<\/td>\n<\/tr>\n
                                                      Net charge-offs to average portfolio loans(1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.50<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.40<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.32<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.35<\/td>\n%<\/td>\n<\/tr>\n
                                                      Allowance for credit losses to total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.76<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.88<\/td>\n%<\/td>\n<\/tr>\n
                                                      Allowance for credit losses to non-performing loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n97.94<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n95.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n98.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.44<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n101.53<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n Bank Capital Ratios:<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total risk based capital ratio(<\/sup>3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.60<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.60<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.95<\/td>\n%<\/td>\n<\/tr>\n
                                                      Tier-1 risk based capital ratio(<\/sup>3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.34<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.34<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.69<\/td>\n%<\/td>\n<\/tr>\n
                                                      Leverage ratio(<\/sup>3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.15<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.97<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.00<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.34<\/td>\n%<\/td>\n<\/tr>\n
                                                      Common Equity Tier-1 capital ratio(<\/sup>3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.34<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.34<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.69<\/td>\n%<\/td>\n<\/tr>\n
                                                      Tangible common equity(<\/sup>3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.34<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.06<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.40<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.75<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.06<\/td>\n%<\/td>\n<\/tr>\n
                                                      \n
                                                      \n Holding Company Capital Ratios:<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total risk based capital ratio(<\/sup>3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.58<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.31<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.25<\/td>\n%<\/td>\n<\/tr>\n
                                                      Tier-1 risk based capital ratio(<\/sup>3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.32<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.99<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.05<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.62<\/td>\n%<\/td>\n<\/tr>\n
                                                      Leverage ratio(<\/sup>3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.84<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.48<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.71<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.98<\/td>\n%<\/td>\n<\/tr>\n
                                                      Common Equity Tier-1 capital ratio(<\/sup>3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.16<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.92<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.98<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.54<\/td>\n%<\/td>\n<\/tr>\n
                                                      Tangible common equity(<\/sup>3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.02<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.73<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.07<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.60<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________
                                                      (1)\u00a0\u00a0\u00a0<\/sup>Annualized.
                                                      (2)\u00a0\u00a0\u00a0<\/sup>Refer to Appendix for reconciliation of non-GAAP measures.
                                                      (3)\u00a0\u00a0\u00a0<\/sup>Estimated ratio at September 30, 2026.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n
                                                      \n HISTORICAL FINANCIAL HIGHLIGHTS – Unaudited (continued)<\/u>
                                                      \n <\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands, except per share data)<\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>
                                                      \n
                                                      \n 2026<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31,<\/strong>
                                                      \n
                                                      \n 2026<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n December 31,<\/strong>
                                                      \n
                                                      \n 2025<\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\n September 30,<\/strong>
                                                      \n
                                                      \n 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \n
                                                      \n Composition of Loans:<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Commercial real estate, non owner-occupied<\/td>\n\u00a0<\/td>\n$<\/td>\n545,612<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n561,805<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n522,498<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n533,141<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n509,878<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Commercial real estate, owner-occupied<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n419,186<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n424,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n428,632<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n418,701<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n442,827<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Residential real estate<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n784,220<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n797,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n795,505<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n765,808<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n740,060<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Construction real estate<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n380,688<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n370,710<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n365,706<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n359,566<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n344,290<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Commercial and industrial<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n774,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n731,575<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n730,576<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n698,289<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n619,148<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Lender finance<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n55,601<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,020<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,775<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,421<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,883<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Business equity lines of credit<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,355<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,930<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,818<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,931<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Credit card, net of reserve(<\/sup>4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n149,184<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n145,266<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n134,789<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n142,397<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n136,483<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Other consumer loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,539<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,772<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,779<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,930<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,010<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Portfolio loans receivable<\/td>\n\u00a0<\/td>\n$<\/td>\n3,118,682<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,089,932<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,030,430<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,965,071<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,829,510<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Deferred origination fees, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,418<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,982<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,999<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,614<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,527<\/td>\n)<\/td>\n<\/tr>\n
                                                      Portfolio loans receivable, net<\/td>\n\u00a0<\/td>\n$<\/td>\n3,114,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,085,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,026,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,959,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,821,983<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n Composition of Deposits:<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest-bearing<\/td>\n\u00a0<\/td>\n$<\/td>\n844,536<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n897,363<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n871,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n852,741<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n857,543<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Interest-bearing demand<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n323,139<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n391,544<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n341,723<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n257,233<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n275,767<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Savings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n30,538<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,471<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,679<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,835<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Money markets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,379,580<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,390,778<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,276,034<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,105,183<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n989,159<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Customer time deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n410,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n437,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n478,085<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n489,687<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n539,207<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Brokered time deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n330,863<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n230,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n303,057<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n376,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n237,542<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Total deposits<\/td>\n\u00a0<\/td>\n$<\/td>\n3,319,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,371,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,292,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,093,200<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,912,053<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n Capital Bank Home Loan Metrics:<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Origination of loans held for sale<\/td>\n\u00a0<\/td>\n$<\/td>\n75,348<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n106,885<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n72,933<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n107,283<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n80,651<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Mortgage loans sold<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47,911<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n87,059<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n52,423<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n82,998<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66,409<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Gain on sale of loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,404<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,362<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,496<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,145<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,698<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Purchase volume as a % of originations<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n90.50<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n86.14<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n73.15<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n72.77<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n92.32<\/td>\n%<\/td>\n<\/tr>\n
                                                      Gain on sale as a % of loans sold(<\/sup>5)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.93<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.71<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.58<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.56<\/td>\n%<\/td>\n<\/tr>\n
                                                      Mortgage commissions<\/td>\n\u00a0<\/td>\n$<\/td>\n591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n947<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n594<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n899<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n656<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n
                                                      \n OpenSk<\/u>
                                                      \n <\/strong>
                                                      \n y<\/strong>
                                                      \n \u2122<\/strong>
                                                      \n
                                                      \n Portfolio Metrics:<\/u>
                                                      \n <\/strong>\n <\/td>\n                                                      		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Open customer accounts<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n575,841<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n588,594<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n588,190<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n585,492<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n587,641<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Secured credit card loans, gross<\/td>\n\u00a0<\/td>\n$<\/td>\n93,672<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n96,026<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n90,021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n97,313<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n98,793<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Unsecured credit card loans, gross<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n57,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n51,234<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,574<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,576<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Noninterest secured credit card deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n162,354<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n166,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n165,506<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n163,184<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n166,874<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (4)\u00a0\u00a0\u00a0<\/sup>Credit card loans are presented net of reserve for interest and fees.
                                                      (5)\u00a0\u00a0\u00a0<\/sup>Gain on sale percentage is calculated as gain on sale of loans divided by mortgage loans sold.<\/p>\n

                                                      Appendix
                                                      Reconciliation of Non-GAAP Measures<\/strong><\/p>\n

                                                      The Company has presented the following non-GAAP (U.S. Generally Accepted Accounting Principles) financial measures because it believes that these measures provide useful and comparative information to assess trends in the Company\u2019s results of operations and financial condition. Presentation of these non-GAAP financial measures is consistent with how the Company evaluates its performance internally and these non-GAAP financial measures are frequently used by securities analysts, investors and other interested parties in the evaluation of companies in the Company\u2019s industry. Investors should recognize that the Company\u2019s presentation of these non-GAAP financial measures might not be comparable to similarly-titled measures of other companies. These non-GAAP financial measures should not be considered a substitute for GAAP basis measures and the Company strongly encourages a review of its condensed consolidated financial statements in their entirety.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Core Earnings Metrics<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands, except per share data)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Income<\/strong>\n <\/td>\n$<\/td>\n13,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,018<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,065<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Deduct: Income from the Call of Brokered Time Deposits, Net of Tax<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,489<\/td>\n)<\/td>\n<\/tr>\n
                                                      Add: Merger-Related Expenses, Net of Tax<\/td>\n\u00a0<\/td>\n1,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n575<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Income<\/strong>\n <\/td>\n$<\/td>\n14,699<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,018<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,151<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Weighted Average Common Shares – Diluted<\/strong>\n <\/td>\n\u00a0<\/td>\n16,482<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,373<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,441<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,493<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,844<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Earnings per Share – Diluted<\/strong>\n <\/td>\n$<\/td>\n0.80<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.73<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.89<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Earnings per Share – Diluted<\/strong>\n <\/td>\n$<\/td>\n0.89<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.73<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.72<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Average Assets<\/strong>\n <\/td>\n$<\/td>\n3,765,041<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,761,511<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,651,812<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,498,540<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,378,296<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Return on Average Assets<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 1)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n1.38<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.33<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.71<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.77<\/td>\n%<\/td>\n<\/tr>\n
                                                      \n Core Return on Average Assets<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 1)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n1.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.33<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.71<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.43<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Average Equity<\/strong>\n <\/td>\n$<\/td>\n427,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n414,044<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n405,302<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n391,750<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n383,922<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Return on Average Equity<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 1)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n12.16<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.57<\/td>\n%<\/td>\n<\/tr>\n
                                                      \n Core Return on Average Equity<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 1)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n13.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.56<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Interest Income<\/strong>\n <\/td>\n$<\/td>\n53,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,929<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n49,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,279<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n52,020<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest Income<\/strong>\n <\/td>\n\u00a0<\/td>\n15,039<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,361<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,373<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,464<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,068<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Revenue<\/strong>\n <\/td>\n$<\/td>\n68,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n65,290<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n62,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n62,743<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n63,088<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest Expense<\/strong>\n <\/td>\n\u00a0<\/td>\n45,722<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,186<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38,354<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Efficiency Ratio<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 2)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n67.1<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66.1<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n69.6<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62.3<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n60.8<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Interest Income<\/strong>\n <\/td>\n$<\/td>\n53,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,929<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n49,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,279<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n52,020<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Deduct: Income from the Call of Brokered Time Deposits<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,618<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Interest Income (a)<\/strong>\n <\/td>\n$<\/td>\n53,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,929<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n49,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,279<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n47,402<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest Income (b)<\/strong>\n <\/td>\n\u00a0<\/td>\n15,039<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,361<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,373<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,464<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,068<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Revenue (a) + (b)<\/strong>\n <\/td>\n$<\/td>\n68,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n65,290<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n62,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n62,743<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n58,470<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest Expense<\/strong>\n <\/td>\n$<\/td>\n45,722<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n43,186<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n43,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n39,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n38,354<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Merger-Related Expenses<\/td>\n\u00a0<\/td>\n1,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n697<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Noninterest Expense<\/strong>\n <\/td>\n$<\/td>\n44,145<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n43,186<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n43,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n39,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n37,657<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Efficiency Ratio<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 2)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n64.8<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66.1<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n69.6<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62.3<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n64.4<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (1)\u00a0\u00a0\u00a0<\/sup>Annualized.
                                                      (2)\u00a0\u00a0\u00a0<\/sup>The efficiency ratio is calculated by dividing noninterest expense by total revenue (net interest income plus noninterest income).<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Core Earnings Metrics<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands, except per share data)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Income<\/strong>\n <\/td>\n$<\/td>\n39,390<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n42,133<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Deduct: Income from the Call of Brokered Time Deposits, Net of Tax<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,489<\/td>\n)<\/td>\n<\/tr>\n
                                                      Add: Merger-Related Expenses, Net of Tax<\/td>\n\u00a0<\/td>\n1,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,609<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Income<\/strong>\n <\/td>\n$<\/td>\n40,967<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n41,253<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Weighted Average Common Shares – Diluted<\/strong>\n <\/td>\n\u00a0<\/td>\n16,437<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,850<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Earnings per Share – Diluted<\/strong>\n <\/td>\n$<\/td>\n2.40<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2.50<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Earnings per Share – Diluted<\/strong>\n <\/td>\n$<\/td>\n2.49<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2.45<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Average Assets<\/strong>\n <\/td>\n$<\/td>\n3,726,551<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,298,170<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Return on Average Assets<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 1)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n1.41<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.71<\/td>\n%<\/td>\n<\/tr>\n
                                                      \n Core Return on Average Assets<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 1)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n1.47<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.67<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Average Equity<\/strong>\n <\/td>\n$<\/td>\n415,848<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n373,020<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Return on Average Equity<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 1)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n12.66<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.10<\/td>\n%<\/td>\n<\/tr>\n
                                                      \n Core Return on Average Equity<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 1)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n13.17<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.79<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Interest Income<\/strong>\n <\/td>\n$<\/td>\n153,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n145,713<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest Income<\/strong>\n <\/td>\n\u00a0<\/td>\n42,773<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,723<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Revenue<\/strong>\n <\/td>\n$<\/td>\n196,178<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n182,436<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest Expense<\/strong>\n <\/td>\n\u00a0<\/td>\n132,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n115,979<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Efficiency Ratio<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 2)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n67.6<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63.6<\/td>\n%<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Interest Income<\/strong>\n <\/td>\n$<\/td>\n153,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n145,713<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Deduct: Income from the Call of Brokered Time Deposits<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,618<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Interest Income (a)<\/strong>\n <\/td>\n$<\/td>\n153,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n141,095<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest Income (b)<\/strong>\n <\/td>\n\u00a0<\/td>\n42,773<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,723<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Revenue (a) + (b)<\/strong>\n <\/td>\n$<\/td>\n196,178<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n177,818<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Noninterest Expense<\/strong>\n <\/td>\n$<\/td>\n132,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n115,979<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Merger-Related Expenses<\/td>\n\u00a0<\/td>\n1,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,361<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Noninterest Expense<\/strong>\n <\/td>\n$<\/td>\n131,012<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n112,618<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Efficiency Ratio<\/strong>
                                                      \n
                                                      \n (<\/strong>
                                                      \n <\/sup>
                                                      \n
                                                      \n 2)<\/strong>
                                                      \n <\/sup>\n <\/td>\n                                                      		\u00a0<\/td>\n66.8<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63.3<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      _______________<\/p>\n

                                                      \n (1)\u00a0\u00a0\u00a0<\/sup>Annualized.
                                                      (2)\u00a0\u00a0\u00a0<\/sup>The efficiency ratio is calculated by dividing noninterest expense by total revenue (net interest income plus noninterest income).<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Core Net Interest Margin<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Interest Income<\/strong>\n <\/td>\n$<\/td>\n53,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,929<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n49,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,279<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n52,020<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Credit Card Loan Income<\/td>\n\u00a0<\/td>\n16,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,808<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,882<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,386<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Interest Income Excluding Credit Card<\/strong>\n <\/td>\n\u00a0<\/td>\n36,673<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,121<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,516<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,634<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Average Interest Earning Assets<\/td>\n\u00a0<\/td>\n3,625,039<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,619,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,509,115<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,360,576<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,246,653<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Average Credit Card Loans<\/td>\n\u00a0<\/td>\n143,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n137,052<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n133,712<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n133,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,100<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Average Core Interest Earning Assets<\/strong>\n <\/td>\n$<\/td>\n3,481,181<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,482,835<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,375,403<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,226,718<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,117,553<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Interest Margin<\/strong>\n <\/td>\n\u00a0<\/td>\n4.18<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.04<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.15<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.19<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.66<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Interest Margin<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Interest Income<\/strong>\n <\/td>\n$<\/td>\n153,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n145,713<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Credit Card Loan Income<\/td>\n\u00a0<\/td>\n47,095<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,651<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Interest Income<\/strong>\n <\/td>\n\u00a0<\/td>\n106,310<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n102,062<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Average Interest Earning Assets<\/td>\n\u00a0<\/td>\n3,585,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,166,588<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Average Credit Card Loans<\/td>\n\u00a0<\/td>\n138,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n123,117<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Average Core Interest Earning Assets<\/strong>\n <\/td>\n$<\/td>\n3,446,873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,043,471<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Interest Margin<\/strong>\n <\/td>\n\u00a0<\/td>\n4.12<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.48<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Core Loan Yield<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Portfolio Loans Receivable Interest Income<\/strong>\n <\/td>\n$<\/td>\n67,942<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n65,110<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n64,009<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n64,670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n60,610<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Credit Card Loan Income<\/td>\n\u00a0<\/td>\n16,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,808<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,882<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,386<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Portfolio Loans Receivable Interest Income<\/strong>\n <\/td>\n$<\/td>\n51,537<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n49,302<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n49,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n48,474<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n45,224<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Average Portfolio Loans Receivable<\/td>\n\u00a0<\/td>\n3,135,648<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,058,476<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,008,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,902,033<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,789,815<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Average Credit Card Loans<\/td>\n\u00a0<\/td>\n143,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n137,052<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n133,712<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n133,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,100<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Core Average Portfolio Loans Receivable<\/strong>\n <\/td>\n$<\/td>\n2,991,790<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,921,424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,874,475<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,768,175<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,660,715<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Portfolio Loans Receivable Yield<\/strong>\n <\/td>\n\u00a0<\/td>\n6.83<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.77<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.93<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.95<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.74<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Loan Yield<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Portfolio Loans Receivable Interest Income<\/strong>\n <\/td>\n$<\/td>\n197,062<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n179,710<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Credit Card Loan Income<\/td>\n\u00a0<\/td>\n47,095<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,651<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Portfolio Loans Receivable Interest Income<\/strong>\n <\/td>\n$<\/td>\n149,967<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n136,059<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Average Portfolio Loans Receivable<\/td>\n\u00a0<\/td>\n3,067,904<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,719,834<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Average Credit Card Loans<\/td>\n\u00a0<\/td>\n138,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n123,117<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Core Average Portfolio Loans Receivable<\/strong>\n <\/td>\n$<\/td>\n2,929,660<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,596,717<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Portfolio Loans Receivable Yield<\/strong>\n <\/td>\n\u00a0<\/td>\n6.84<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.01<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n
                                                      \n Pre-tax, Pre-Provision Net Revenue (“PPNR”)<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Income<\/strong>\n <\/td>\n$<\/td>\n13,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n$<\/td>\n12,018<\/td>\n\u00a0<\/td>\n$<\/td>\n15,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,065<\/td>\n<\/tr>\n
                                                      Add: Income Tax Expense<\/td>\n\u00a0<\/td>\n4,424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,204<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,853<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,644<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,802<\/td>\n<\/tr>\n
                                                      Add: Provision for Credit Losses<\/td>\n\u00a0<\/td>\n4,903<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,988<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,650<\/td>\n<\/tr>\n
                                                      Add: Provision for (Release of) Credit Losses on Unfunded Commitments<\/td>\n\u00a0<\/td>\n(54<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(29<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n217<\/td>\n<\/tr>\n
                                                      \n Pre-tax, Pre-Provision Net Revenue (“PPNR”)<\/strong>\n <\/td>\n$<\/td>\n22,395<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,104<\/td>\n\u00a0<\/td>\n$<\/td>\n19,090<\/td>\n\u00a0<\/td>\n$<\/td>\n23,640<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n24,734<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Pre-tax, Pre-Provision Net Revenue (“PPNR”)<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Income<\/strong>\n <\/td>\n$<\/td>\n39,390<\/td>\n\u00a0<\/td>\n$<\/td>\n42,133<\/td>\n<\/tr>\n
                                                      Add: Income Tax Expense<\/td>\n\u00a0<\/td>\n12,481<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,130<\/td>\n<\/tr>\n
                                                      Add: Provision for Credit Losses<\/td>\n\u00a0<\/td>\n11,502<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,977<\/td>\n<\/tr>\n
                                                      Add: Provision for Credit Losses on Unfunded Commitments<\/td>\n\u00a0<\/td>\n216<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n217<\/td>\n<\/tr>\n
                                                      \n Pre-tax, Pre-Provision Net Revenue (“PPNR”)<\/strong>\n <\/td>\n$<\/td>\n63,589<\/td>\n\u00a0<\/td>\n$<\/td>\n66,457<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Core PPNR<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Income<\/strong>\n <\/td>\n$<\/td>\n13,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n$<\/td>\n12,018<\/td>\n\u00a0<\/td>\n$<\/td>\n15,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,065<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Add: Income Tax Expense<\/td>\n\u00a0<\/td>\n4,424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,204<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,853<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,644<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,802<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Add: Provision for Credit Losses<\/td>\n\u00a0<\/td>\n4,903<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,988<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,650<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Add: Provision for (Release of) Credit Losses on Unfunded Commitments<\/td>\n\u00a0<\/td>\n(54<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(29<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n217<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Deduct: Income from the Call of Brokered Time Deposits<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,618<\/td>\n)<\/td>\n<\/tr>\n
                                                      Add: Merger-Related Expenses<\/td>\n\u00a0<\/td>\n1,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n697<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core PPNR<\/strong>\n <\/td>\n$<\/td>\n23,972<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,104<\/td>\n\u00a0<\/td>\n$<\/td>\n19,090<\/td>\n\u00a0<\/td>\n$<\/td>\n23,640<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20,813<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core PPNR<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Income<\/strong>\n <\/td>\n$<\/td>\n39,390<\/td>\n\u00a0<\/td>\n$<\/td>\n42,133<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Add: Income Tax Expense<\/td>\n\u00a0<\/td>\n12,481<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,130<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Add: Provision for Credit Losses<\/td>\n\u00a0<\/td>\n11,502<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,977<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Add: Provision for Credit Losses on Unfunded Commitments<\/td>\n\u00a0<\/td>\n216<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n217<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Deduct: Income from the Call of Brokered Time Deposits<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,618<\/td>\n)<\/td>\n<\/tr>\n
                                                      Add: Merger-Related Expenses<\/td>\n\u00a0<\/td>\n1,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,361<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core PPNR<\/strong>\n <\/td>\n$<\/td>\n65,166<\/td>\n\u00a0<\/td>\n$<\/td>\n65,200<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n
                                                      \n Allowance for Credit Losses to Total Portfolio Loans<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Allowance for Credit Losses<\/strong>\n <\/td>\n$<\/td>\n55,493<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n54,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n54,680<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n54,660<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n53,045<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Portfolio Loans<\/strong>\n <\/td>\n\u00a0<\/td>\n3,114,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,085,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,026,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,959,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,821,983<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Allowance for Credit Losses to Total Portfolio Loans<\/strong>\n <\/td>\n\u00a0<\/td>\n1.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.76<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.88<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Commercial Bank Allowance for Credit Losses to Commercial Bank Portfolio Loans<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Allowance for Credit Losses<\/strong>\n <\/td>\n$<\/td>\n55,493<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n54,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n54,680<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n54,660<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n53,045<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Credit Card Allowance for Credit Losses<\/td>\n\u00a0<\/td>\n9,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,904<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,802<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,413<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Commercial Bank Allowance for Credit Losses<\/strong>\n <\/td>\n$<\/td>\n45,716<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n45,527<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n46,878<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n46,428<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n45,632<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Portfolio Loans<\/strong>\n <\/td>\n\u00a0<\/td>\n3,114,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,085,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,026,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,959,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,821,983<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Gross Credit Card Loans<\/td>\n\u00a0<\/td>\n144,258<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n141,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n131,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n137,905<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n130,897<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Commercial Bank Portfolio Loans<\/strong>\n <\/td>\n$<\/td>\n2,970,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,944,504<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,894,544<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,821,552<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,691,086<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Commercial Bank Allowance for Credit Losses to Commercial Bank Portfolio Loans<\/strong>\n <\/td>\n\u00a0<\/td>\n1.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.62<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.65<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.70<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n
                                                      \n Nonperforming Assets to Total Assets<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Nonperforming Assets<\/strong>\n <\/td>\n$<\/td>\n60,518<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n60,843<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n59,273<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n58,276<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n52,247<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Assets<\/strong>\n <\/td>\n\u00a0<\/td>\n3,802,553<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,889,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,808,467<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,606,207<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,389,442<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Nonperforming Assets to Total Assets<\/strong>\n <\/td>\n\u00a0<\/td>\n1.59<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.56<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.56<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.62<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.54<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n
                                                      \n Nonperforming Loans to Total Portfolio Loans<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Nonperforming Loans<\/strong>\n <\/td>\n$<\/td>\n56,662<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n56,987<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n55,417<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n54,421<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n52,247<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Portfolio Loans<\/strong>\n <\/td>\n\u00a0<\/td>\n3,114,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,085,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,026,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,959,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,821,983<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Nonperforming Loans to Total Portfolio Loans<\/strong>\n <\/td>\n\u00a0<\/td>\n1.82<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.83<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.84<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.85<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n
                                                      \n Net Charge-Offs to Average Portfolio Loans<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Net Charge-Offs<\/strong>\n <\/td>\n$<\/td>\n3,841<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,834<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,994<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,373<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,476<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Average Portfolio Loans<\/strong>\n <\/td>\n\u00a0<\/td>\n3,135,648<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,058,476<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,008,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,902,033<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,789,815<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Charge-Offs to Average Portfolio Loans, Annualized<\/strong>\n <\/td>\n\u00a0<\/td>\n0.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.50<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.40<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.32<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.35<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Charge-offs to Average Portfolio Loans<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Net Charge-Offs<\/strong>\n <\/td>\n$<\/td>\n10,669<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n10,008<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Average Portfolio Loans<\/strong>\n <\/td>\n\u00a0<\/td>\n3,067,904<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,719,834<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Charge-Offs to Average Portfolio Loans, Annualized<\/strong>\n <\/td>\n\u00a0<\/td>\n0.46<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.49<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n
                                                      \n Tangible Book Value per Share<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands, except share and per share data)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Total Stockholders’ Equity<\/strong>\n <\/td>\n$<\/td>\n431,450<\/td>\n\u00a0<\/td>\n$<\/td>\n422,205<\/td>\n\u00a0<\/td>\n$<\/td>\n408,859<\/td>\n\u00a0<\/td>\n$<\/td>\n401,757<\/td>\n\u00a0<\/td>\n$<\/td>\n394,770<\/td>\n<\/tr>\n
                                                      Less: Intangible Assets<\/td>\n\u00a0<\/td>\n39,958<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,219<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,480<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,740<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,002<\/td>\n<\/tr>\n
                                                      \n Tangible Common Equity<\/strong>\n <\/td>\n$<\/td>\n391,492<\/td>\n\u00a0<\/td>\n$<\/td>\n381,986<\/td>\n\u00a0<\/td>\n$<\/td>\n368,379<\/td>\n\u00a0<\/td>\n$<\/td>\n361,017<\/td>\n\u00a0<\/td>\n$<\/td>\n353,768<\/td>\n<\/tr>\n
                                                      Period End Shares Outstanding<\/td>\n\u00a0<\/td>\n16,328,648<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,289,288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,286,480<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,373,288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,589,241<\/td>\n<\/tr>\n
                                                      \n Tangible Book Value per Share<\/strong>\n <\/td>\n$<\/td>\n23.98<\/td>\n\u00a0<\/td>\n$<\/td>\n23.45<\/td>\n\u00a0<\/td>\n$<\/td>\n22.62<\/td>\n\u00a0<\/td>\n$<\/td>\n22.05<\/td>\n\u00a0<\/td>\n$<\/td>\n21.33<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \n Return on Average Tangible Common Equity<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Income<\/strong>\n <\/td>\n$<\/td>\n13,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,018<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,065<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Add: Intangible Amortization, Net of Tax<\/td>\n\u00a0<\/td>\n195<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n201<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n197<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n200<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n199<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Tangible Income<\/strong>\n <\/td>\n$<\/td>\n13,317<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,451<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,215<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,237<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,264<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Average Equity<\/strong>\n <\/td>\n\u00a0<\/td>\n427,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n414,044<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n405,302<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n391,750<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n383,922<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Average Intangible Assets<\/td>\n\u00a0<\/td>\n40,116<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,377<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,628<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,884<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,706<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Average Tangible Common Equity<\/strong>\n <\/td>\n$<\/td>\n387,834<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n373,667<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n364,674<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n350,866<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n346,216<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Return on Average Equity<\/strong>\n <\/td>\n\u00a0<\/td>\n12.16<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.57<\/td>\n%<\/td>\n<\/tr>\n
                                                      \n Return on Average Tangible Common Equity<\/strong>\n <\/td>\n\u00a0<\/td>\n13.62<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.58<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.49<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Return on Average Tangible Common Equity<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Income<\/strong>\n <\/td>\n$<\/td>\n39,390<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n42,133<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Add: Intangible Amortization, Net of Tax<\/td>\n\u00a0<\/td>\n594<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n599<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Tangible Income<\/strong>\n <\/td>\n$<\/td>\n39,984<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n42,732<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Average Equity<\/strong>\n <\/td>\n\u00a0<\/td>\n415,848<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n373,020<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Less: Average Intangible Assets<\/td>\n\u00a0<\/td>\n40,372<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38,048<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Net Average Tangible Common Equity<\/strong>\n <\/td>\n$<\/td>\n375,476<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n334,972<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Return on Average Equity<\/strong>\n <\/td>\n\u00a0<\/td>\n12.66<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.10<\/td>\n%<\/td>\n<\/tr>\n
                                                      \n Return on Average Tangible Common Equity<\/strong>\n <\/td>\n\u00a0<\/td>\n14.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.06<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n
                                                      \n Core Return on Average Tangible Common Equity<\/strong>\n <\/td>\n\n Quarter Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n December 31, 2025<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Income<\/strong>\n <\/td>\n$<\/td>\n14,699<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,018<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,151<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Add: Intangible Amortization, Net of Tax<\/td>\n\u00a0<\/td>\n195<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n201<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n197<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n200<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n199<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Tangible Income<\/strong>\n <\/td>\n$<\/td>\n14,894<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,451<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,215<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,237<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,350<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Return on Average Tangible Common Equity<\/strong>\n <\/td>\n\u00a0<\/td>\n15.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.58<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.15<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n \n <\/p>\n\n\n\n\n\n\n\n\n\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Return on Average Tangible Common Equity<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
                                                      (in thousands)<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n September 30, 2025<\/strong>\n <\/td>\n<\/tr>\n
                                                      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Income<\/strong>\n <\/td>\n$<\/td>\n40,967<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n41,253<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      Add: Intangible Amortization, Net of Tax<\/td>\n\u00a0<\/td>\n594<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n599<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Net Tangible Income<\/strong>\n <\/td>\n$<\/td>\n41,561<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n41,852<\/td>\n\u00a0<\/td>\n<\/tr>\n
                                                      \n Core Return on Average Tangible Common Equity<\/strong>\n <\/td>\n\u00a0<\/td>\n14.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.70<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

                                                      \n
                                                      \n
                                                      \n <\/strong>\n <\/p>\n

                                                      \n ABOUT CAPITAL BANCORP, INC.<\/strong>\n <\/p>\n

                                                      Capital Bancorp, Inc., Rockville, Maryland is a registered bank holding company incorporated under the laws of Maryland. Capital Bancorp has been providing financial services since 1999 and now operates bank branches in four locations in the Washington, D.C., and Baltimore, Maryland metropolitan markets, one bank branch in Fort Lauderdale, Florida, one bank branch in Chicago, Illinois and one bank branch in Raleigh, North Carolina. Capital Bancorp had assets of approximately $3.8 billion at September\u00a030, 2026 and its common stock is traded in the NASDAQ Global Market under the symbol \u201cCBNK.\u201d More information can be found at the Company’s website www.CapitalBankMD.com under its investor relations page.<\/p>\n

                                                      \n FORWARD-LOOKING STATEMENTS<\/strong>\n <\/p>\n

                                                      This earnings release contains forward-looking statements. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. Any statements about our management\u2019s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. These statements are often, but not always, made through the use of words or phrases such as \u201canticipate,\u201d \u201cbelieves,\u201d \u201ccan,\u201d \u201ccould,\u201d \u201cmay,\u201d \u201cpredicts,\u201d \u201cpotential,\u201d \u201cshould,\u201d \u201cwill,\u201d \u201cestimate,\u201d \u201cplans,\u201d \u201cprojects,\u201d \u201ccontinuing,\u201d \u201congoing,\u201d \u201cexpects,\u201d “optimistic,” \u201cintends\u201d and similar words or phrases. Any or all of the forward-looking statements in this earnings release may turn out to be inaccurate. The inclusion of forward-looking information in this earnings release should not be regarded as a representation by us or any other person that the future plans, estimates or expectations contemplated by us will be achieved. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends that we believe may affect our financial condition, results of operations, business strategy and financial needs. Our actual results could differ materially from those anticipated in such forward-looking statements.\u00a0Accordingly, we caution you that any such forward-looking statements are not a guarantee of future performance and that actual results may prove to be materially different from the results expressed or implied by the forward-looking statements due to a number of factors. For details on some of the factors that could affect these expectations, see risk factors and other cautionary language included in the Company’s Annual Report on Form 10-K and other periodic and current reports filed with the Securities and Exchange Commission.<\/p>\n

                                                      While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors that could cause actual results to differ materially from those contained or implied in the forward-looking statements: the strength of the United States (\u201cU.S.\u201d) economy in general and the strength of the local economies in\u00a0which we conduct operations; geopolitical concerns, including acts or threats of terrorism and the ongoing wars in Iran and Ukraine; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Board of Governors of the Federal Reserve System; inflation, interest rate, market, and monetary fluctuations; volatility and disruptions in global capital and credit markets; changes in U.S. trade policies, including the implementation of tariffs and other protectionist trade policies; the effects of federal government shutdowns, debt ceiling standoff, or other fiscal policy uncertainty; competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services; the impact of changes in financial services policies, laws, and regulations, including those concerning taxes, banking, securities, and insurance, and the application thereof by regulatory bodies; cybersecurity threats and the cost of defending against them; climate change, and other catastrophic disasters; the effectiveness of the Company’s internal control over financial reporting and disclosure controls and procedures; the Company\u2019s ability to remediate the material weakness in the Company\u2019s internal control over financial reporting; the effect of the IFH acquisition or any other acquisitions we have made or may make, including, without limitation, the failure to achieve the expected revenue growth and\/or expense savings from such acquisitions, and\/or the failure to effectively integrate an acquisition target into our operations, including the planned growth of Windsor Advantage\u2122; the possibility that the Company’s pending merger with Peoples does not close when expected or at all because required regulatory approvals and other conditions to closing are not received or satisfied on a timely basis or at all; the possibility that the anticipated benefits and cost savings from the merger with Peoples may not be fully realized or may take longer to realize than expected; disruptions to the Company’s business as a result of the announcement and pendency of the merger with Peoples; the possibility that the merger with Peoples may be more expensive to complete than anticipated, including as a result of unexpected factors or events; and our ability to manage the risks involved in the foregoing.<\/p>\n

                                                      These forward-looking statements are made as of the date of this communication, and the Company does not intend, and assumes no obligation, to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events or circumstances, except as required by law.<\/p>\n

                                                      FINANCIAL CONTACT: Jake Dalaya (301) 637-5118<\/p>\n

                                                      MEDIA CONTACT: Ed Barry (240) 283-1912<\/p>\n

                                                      WEBSITE: www.CapitalBankMD.com<\/a>\u00a0<\/p>\n

                                                      \n

                                                      \"\"
                                                      \n
                                                      \n \"\"\n <\/div>\n

                                                      <\/div>\n","protected":false},"excerpt":{"rendered":"

                                                      ROCKVILLE, Md., Oct. 26, 2026 (GLOBE NEWSWIRE) — Capital Bancorp, Inc. (the “Company”) (NASDAQ: CBNK), the holding company for Capital Bank, N.A. (the “Bank”), today reported: \u00a0 Quarter Ended \u00a0 % Change (Annualized) \u00a0 (in millions, except per share data) 3Q26 \u00a0 2Q26 \u00a0 3Q25 \u00a0 3Q26 vs 2Q26 \u00a0 3Q26 vs 3Q25 \u00a0 Balance Sheet Summary \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Gross Loans(1) $ 3,114 \u00a0 $3,086 \u00a0 $2,822 \u00a0 3.6% \u00a0 10.4% \u00a0 Total Deposits 3,319 \u00a0 3,371 \u00a0 2,912 \u00a0 (6.1)% \u00a0 14.0% \u00a0 Customer Deposits(2) 2,988 \u00a0 3,140 \u00a0 2,675 \u00a0 (19.2)% \u00a0 11.7% \u00a0 Tangible Book Value per share(3) $ 23.98 \u00a0 $23.45 \u00a0 $21.33 \u00a0 9.0% \u00a0 12.4% \u00a0 … <\/p>\n

                                                      Continue reading “CBNK Delivers Strong Revenue Growth and Positive Operating Leverage”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1013705","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nCBNK Delivers Strong Revenue Growth and Positive Operating Leverage - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CBNK Delivers Strong Revenue Growth and Positive Operating Leverage - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"ROCKVILLE, Md., Oct. 26, 2026 (GLOBE NEWSWIRE) — Capital Bancorp, Inc. (the “Company”) (NASDAQ: CBNK), the holding company for Capital Bank, N.A. (the “Bank”), today reported: \u00a0 Quarter Ended \u00a0 % Change (Annualized) \u00a0 (in millions, except per share data) 3Q26 \u00a0 2Q26 \u00a0 3Q25 \u00a0 3Q26 vs 2Q26 \u00a0 3Q26 vs 3Q25 \u00a0 Balance Sheet Summary \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Gross Loans(1) $ 3,114 \u00a0 $3,086 \u00a0 $2,822 \u00a0 3.6% \u00a0 10.4% \u00a0 Total Deposits 3,319 \u00a0 3,371 \u00a0 2,912 \u00a0 (6.1)% \u00a0 14.0% \u00a0 Customer Deposits(2) 2,988 \u00a0 3,140 \u00a0 2,675 \u00a0 (19.2)% \u00a0 11.7% \u00a0 Tangible Book Value per share(3) $ 23.98 \u00a0 $23.45 \u00a0 $21.33 \u00a0 9.0% \u00a0 12.4% \u00a0 … Continue reading "CBNK Delivers Strong Revenue Growth and Positive Operating Leverage"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-26T20:34:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTg1MzM4NiM3OTE2Njc4IzIxMjIwMTQ=\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"44 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"CBNK Delivers Strong Revenue Growth and Positive Operating Leverage\",\"datePublished\":\"2026-10-26T20:34:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\\\/\"},\"wordCount\":8851,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.globenewswire.com\\\/newsroom\\\/ti?nf=OTg1MzM4NiM3OTE2Njc4IzIxMjIwMTQ=\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\\\/\",\"name\":\"CBNK Delivers Strong Revenue Growth and Positive Operating Leverage - 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(the “Company”) (NASDAQ: CBNK), the holding company for Capital Bank, N.A. (the “Bank”), today reported: \u00a0 Quarter Ended \u00a0 % Change (Annualized) \u00a0 (in millions, except per share data) 3Q26 \u00a0 2Q26 \u00a0 3Q25 \u00a0 3Q26 vs 2Q26 \u00a0 3Q26 vs 3Q25 \u00a0 Balance Sheet Summary \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Gross Loans(1) $ 3,114 \u00a0 $3,086 \u00a0 $2,822 \u00a0 3.6% \u00a0 10.4% \u00a0 Total Deposits 3,319 \u00a0 3,371 \u00a0 2,912 \u00a0 (6.1)% \u00a0 14.0% \u00a0 Customer Deposits(2) 2,988 \u00a0 3,140 \u00a0 2,675 \u00a0 (19.2)% \u00a0 11.7% \u00a0 Tangible Book Value per share(3) $ 23.98 \u00a0 $23.45 \u00a0 $21.33 \u00a0 9.0% \u00a0 12.4% \u00a0 … Continue reading \"CBNK Delivers Strong Revenue Growth and Positive Operating Leverage\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/","og_site_name":"Market Newsdesk","article_published_time":"2026-10-26T20:34:05+00:00","og_image":[{"url":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTg1MzM4NiM3OTE2Njc4IzIxMjIwMTQ=","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"44 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"CBNK Delivers Strong Revenue Growth and Positive Operating Leverage","datePublished":"2026-10-26T20:34:05+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/"},"wordCount":8851,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/#primaryimage"},"thumbnailUrl":"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTg1MzM4NiM3OTE2Njc4IzIxMjIwMTQ=","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/cbnk-delivers-strong-revenue-growth-and-positive-operating-leverage\/","name":"CBNK Delivers Strong Revenue Growth and Positive Operating Leverage - 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