Execution of a robust three-year strategic plan containing over 880 action steps distributed across the organization, covering Succession Planning, Employee Engagement, Community Engagement, Growth, and Risk Management.

Expected impact: Aims to secure long-term franchise value, improve operational efficiency, enhance digital product offerings, and ensure seamless leadership transitions.

Focus on retaining relationship-based local deposits, managing deposit pricing discipline, and preserving a stable funding mix to support net interest income in a competitive rate environment.

Expected impact: Preservation of net interest margin and reduction of overall liability costs.

Emphasizing disciplined loan growth in coastal and eastern Maine where the bank possesses deep local underwriting knowledge, focusing on commercial real estate, commercial business lending, and residential mortgages.

Expected impact: Steady expansion of the loan portfolio while maintaining favorable asset quality and low net charge-offs.