A strategic shift from acquisition-led growth to organic expansion by bulking up the executive leadership team under CEO Jay Brogdon. This includes hiring new leaders for consumer and wealth management, commercial banking, and launching a new private banking team to capture more client business and diversify the loan portfolio.

Expected impact: Diversification of the loan portfolio, increased low-cost deposit gathering, and enhanced client solutions in high-growth metropolitan markets.

A major balance sheet restructuring executed in 2025 to address negative arbitrage between long-term bond yields and short-term funding costs. The company raised $326.9 million in equity capital, reclassified $3.59 billion in held-to-maturity securities to available-for-sale, and sold $3.16 billion of these securities to pay down high-rate wholesale and public fund deposits and FHLB advances.

Expected impact: Deleveraging of the balance sheet, reduction of interest expenses, and immediate expansion of the net interest margin in 2026.

Expansion of the bank's commercial and industrial (C&I) banking strategy across key growth markets including Texas, Nashville, Kansas City, and St. Louis, led by veteran commercial banking executive Jim Recer.

Expected impact: Strengthening of middle-market commercial capabilities, recruitment of high-performing regional teams, and acceleration of sustainable organic loan growth.