Expanding physical presence in high-growth regions while divesting non-core branches. This includes integrating the newly acquired Arizona and Kansas branches and focusing on organic growth in key metropolitan areas.

Expected impact: Improves brand density, deposit profiles, and overall operational efficiency across a more contiguous footprint.

Focusing on specialized deposit verticals, such as community associations, property management trust accounts, and legal industry services, to secure low-cost, stable funding.

Expected impact: Provides highly stable, low-cost core deposits that act as a differentiator against rising funding costs.

Proactively resolving elevated nonperforming assets, reducing criticized and classified loans, and maintaining disciplined credit underwriting.

Expected impact: Reduces credit costs and improves overall return on average assets (ROAA) and return on average tangible common equity (ROATCE).