A strategic initiative to build out treasury products, personnel, and technology to attract high-quality, low-cost core deposits.

Expected impact: High-return investment expected to drive sustainable revenue and core deposit growth while lowering overall funding costs.

Discontinuing the lower-yielding indirect automobile loan product and strategically redeploying those repayments, alongside residential mortgage repayments, into higher-yielding commercial loan products.

Expected impact: Commercial loans increased to 61.1% of the Bank's loan portfolio as of March 31, 2026, compared to 55.6% a year prior, optimizing asset yields and insulating net interest margins.

Selling lower-yielding investment securities to purchase higher-yielding securities.

Expected impact: Purchased $117.8 million of higher-yielding securities with an expected tax-equivalent yield of ~5.51%, projected to add approximately 19 basis points to NIM and $0.40 to annual EPS.