A comprehensive technology investment cycle focused on upgrading foundational systems, enhancing data security, and deploying advanced customer-facing technologies.

Expected impact: Improves long-term digital capabilities, operational efficiency, and competitive positioning in a digital-first banking environment.

Selective physical network adjustments, including converting traditional drive-thrus to live teller ATMs, opening next-generation banking centers, consolidating overlapping locations, and transitioning standard branches to Express Centers.

Expected impact: Reduces physical footprint overhead while maintaining high-quality customer service and expanding Express Center formats in key markets like St. Louis.

Returning capital to stockholders through a combination of consistent quarterly cash dividends and active common stock repurchases under board-approved authorizations.

Expected impact: Supports tangible book value appreciation and enhances earnings per share metrics by reducing outstanding share count.