A comprehensive five-year strategic plan focused on delivering above-average total shareholder return compared to peers. Key financial targets by 2028 include achieving a Return on Average Tangible Common Equity (ROATCE) of >=15%, Tangible Book Value (TBV) growth of >=10% per year, annual revenue growth of >=10%, and an efficiency ratio of <60%.

Expected impact: Aims to foster innovative and engaged team members, develop deep client relationships, and deliver exceptional results for all stakeholders.

A sales strategy led by treasury management sales teams located across bank markets. Bankers are trained and incentivized to fund their loan production goals with corresponding deposit growth goals, leveraging the lack of a retail branch network to offer competitive rates.

Expected impact: Aims to maintain a core deposits to total funding ratio of >=75% and support the 10% annual loan and deposit growth targets.

Scaling higher-yielding Commercial and Industrial (C&I) lending business lines (such as asset-based lending, accounts receivable financing, equipment financing, and SBA lending) and expanding the Private Wealth management business in less mature commercial banking markets.

Expected impact: Diversifies revenue streams, increases fee-based income, and drives higher yields compared to traditional commercial lending.

Strategic initiatives directed toward operating efficiency through the use of technology, including robotic process automation (RPA) implementation and AI usage discovery and roll-out.

Expected impact: Generates positive operating leverage by keeping expense growth below revenue growth and improving the efficiency ratio.