Winding down and exiting complex fintech and Banking-as-a-Service (BaaS) relationships to refocus resources on traditional, high-touch community banking in Virginia and North Carolina.

Expected impact: Stabilizes the bank's risk profile, improves asset quality, and aligns operating expenses with a traditional community banking model.

Shifting the loan portfolio mix toward high-quality Commercial and Industrial (C&I) credits with stricter underwriting standards to reduce charge-off risk and boost net interest margins.

Expected impact: Improves risk-adjusted returns and protects asset quality.

Defining target commercial and consumer clients by industry vertical, redefining credit underwriting and portfolio monitoring using AI and data visualization tools, and deploying digital features to boost small-business deposit engagement.

Expected impact: Aims to gain operating leverage, improve credit surveillance, and reduce manual compliance costs by an estimated 15-20% over three years.