Regardless of these dynamics, our internet curiosity margin benefited as new loans got here onto the books at a mean fee that was 40 foundation factors greater than the typical fee on payoffs. A This autumn curiosity restoration of $667 thousand not repeated in Q1 and the decreased variety of days within the first quarter masked that rate-spread profit. Excluding different distinctive transactions, we imagine our mortgage originations will positively affect the web curiosity margin in 2026 going ahead. Our banking group continues its relationship-based strategy to draw lending alternatives and to domesticate new, deeply rooted relationships, with notably robust momentum within the first quarter within the Better Sacramento space.
Whereas we proceed to navigate a aggressive market surroundings on pricing and construction, we’ve attracted a big quantity of latest consumer relationships whereas sustaining our disciplined underwriting and pricing standards. Our whole deposits elevated within the first quarter on account of a mixture of elevated balances from long-time shoppers in addition to continued exercise bringing in new relationships. The speed surroundings stays aggressive and shoppers stay fee delicate; nevertheless, they proceed to financial institution with us for our service ranges, accessibility, and dedication to our communities, permitting us to proceed decreasing our price of deposits whereas rising our deposit base. With that, I’ll flip the decision over to David Bonaccorso to debate our monetary leads to higher element.
Thanks, Tim, and good morning, everybody.
David Bonaccorso: Our internet revenue was $8.5 million, or $0.53 per share. Our internet curiosity revenue elevated from the prior quarter to $30.3 million on account of common steadiness sheet development and better funding safety yields and decreased deposit prices, in addition to the constructive churn within the mortgage portfolio that Timothy D. Myers mentioned, leading to a 6 foundation level improve in our internet curiosity margin. Adjusting for the fourth quarter restoration of curiosity and charges on a paid-off nonaccrual mortgage relationship, our sequential quarter internet curiosity margin development would have been much more spectacular at 14 foundation factors. In the course of the quarter, the growth of a deposit relationship with a comparatively excessive price was a headwind to internet curiosity margin.
At quarter-end we moved a portion of those funds off steadiness sheet to reap the benefits of a comparatively excessive one-way promote fee, which boosts our total internet revenue and contributes to noninterest revenue. This chance has persevered into Q2; we are going to proceed to search for alternatives like these to actively handle our steadiness sheet to enhance shareholder returns. Shifting to noninterest revenue, most areas of charge revenue had been comparatively in keeping with the prior quarter, though we did obtain a particular dividend on FHLB inventory in addition to a BOLI loss of life profit, which positively impacted our whole noninterest revenue within the first quarter.
Our noninterest expense elevated by $2.5 million from the prior quarter, primarily on account of greater salaries and worker advantages associated to seasonal wage and profit accrual resets, together with payroll taxes, incentive compensation accruals, revenue sharing, insurance coverage, and 401(okay) matching. The primary quarter additionally included a better degree of our annual charitable giving, which we count on will comprise virtually 70% of the full for 2026. General, Q1 noninterest expense was broadly according to our expectations.
Although charitable giving is anticipated to return to extra normalized ranges throughout the coming quarters, we in any other case count on noninterest expense to proceed close to present ranges as we proceed to put money into individuals and know-how, which we imagine will gas our development and in the end drive shareholder returns. As a result of enchancment in asset high quality in our mortgage portfolio and the substantial degree of reserves we’ve already constructed, we didn’t require a provision for credit score losses within the first quarter, and our allowance for credit score losses remained robust at 1.08% of whole loans, which we imagine is an applicable degree following the sale of our nonperforming loans.
Given the continued energy of our capital ratios, our Board of Administrators declared a dividend of $0.25 per share on April 23, the eighty-fourth consecutive quarterly dividend paid by the corporate. With that, I’ll flip it again over to you, Tim, to share some remaining feedback.
Timothy D. Myers: Thanks, Dave. We proceed to see secure financial circumstances in our markets. Our credit score high quality continues to enhance. Our mortgage pipeline stays robust amid wholesome demand, and we proceed to count on to generate strong mortgage development in 2026 whereas additionally persevering with to develop deposits by way of the addition of latest relationships and growth of current consumer relationships. Given the constructive traits we’re seeing in lots of key metrics, we count on to proceed to ship robust monetary efficiency for our shareholders as we transfer by way of the yr. With that, I need to thank everybody on immediately’s name to your curiosity and your help. We’ll now open the decision to questions.
Operator: If you want to ask a query, please click on on the increase hand button on the backside of your display. As soon as prompted, please unmute your line and ask your query. We’ll now pause a second to assemble the queue. Our first query will come from Matthew Clark with Piper Sandler. Chances are you’ll now unmute and ask your query.
Matthew Clark: Hey. Good morning, guys.
Timothy D. Myers: Good morning, Matthew.
Matthew Clark: How a lot was the curiosity reversal that negatively impacted the mortgage yield on a greenback foundation? That was prior, in This autumn? It was, I imagine, $667 thousand. Oh, okay. I’m sorry. I believe I misheard you. I assumed there was some one other one right here in Q1. There may be not. It was—
David Bonaccorso: There may be not.
Timothy D. Myers: Quarter over quarter, and a part of the decline was impacted by that $670 thousand curiosity accrual reversal in This autumn.
Matthew Clark: Acquired it. Okay. Okay. Thanks. After which I noticed the spot fee on deposits. How are you fascinated with deposit prices past that spot fee with the Ate up maintain, and what would you recommend is your marginal price of latest deposits today?
David Bonaccorso: I believe, much like what we’ve completed in current quarters, we are going to proceed to make focused changes away from Fed cuts. Clearly, most likely fewer Fed cuts are anticipated now than in comparison with what the market was anticipating to start out the yr. So that’s how we are going to proceed to handle that. We even have time deposit repricing taking place within the background; I imagine that was a 24 foundation level decline sequential quarter. So these are a few knowledge factors. The rest you need to add, Tim?
Timothy D. Myers: No. I believe a few of the strain on whole deposits continues to be simply massive current shoppers which have relationship charges that proceed to go up. A few of that we’re managing with one-way sells, and many others. However total, we proceed to search for off-cycle reductions. And as you famous, the spot fee is 4 foundation factors decrease than the full deposit fee on the finish of the yr.
Matthew Clark: Yep. Okay. Nice. After which you haven’t purchased again inventory for the final couple of quarters. You could have quite a lot of your credit score just about resolved right here. How ought to we take into consideration the buyback right here going ahead?
Timothy D. Myers: As we described after we did the steadiness sheet restructure, on condition that we received help from the regulators and our constituents to do it with none fairness increase, simply with sub debt, we had stated we had been going to earn our means again right into a median leverage ratio or CET1 ratio coming again towards peer ranges. Definitely on the time, the notion was that holding extra capital is healthier within the occasion that the credit score state of affairs with these loans worsened. As you famous, taking that off the desk brings us nearer to having a consolation degree to do this. So it’s a dialog we’re going to begin having.
However we nonetheless need to earn our means again right into a bit of a better ratio earlier than perhaps embarking on that. Not needing to maintain capital for the chance inherent in these offers we shed throughout the quarter makes us really feel higher about having that dialog. I don’t need to overpromise, however that did take away a giant hurdle for certain.
Matthew Clark: Okay. Thanks.
Operator: Your subsequent query will come from Jeffrey Allen Rulis with D.A. Davidson.
Jeffrey Allen Rulis: I assume, type of following the restatement you had throughout the quarter, attempting to get my bearings on the margin and expense ranges. I believe you outlined the expense expectation—it feels like fairly flat from right here, a fairly front-end loaded Q1 after which leveling off. But when I attempt to get into NII and the margin, I believe we had discussions of a terminal margin degree within the excessive 3s given the adjusted quantity is form of a mid-3 determine. I’m attempting to get a way for—there was quite a lot of restructuring and repositioning.
It feels like there may be nonetheless an upward bias to the margin, however all in, whether or not particular or not, what margin degree is indicative of the steadiness sheet immediately?
David Bonaccorso: I believe on a full-year foundation, mid-3s might be nonetheless applicable, according to the remark you simply made, clearly adjusted downward given the restructuring. We lined deposit prices somewhat bit, however we nonetheless suppose there are respectable tailwinds with regard to mortgage repricing.
Jeffrey Allen Rulis: So, Dave, the step-up this quarter, linked quarter—the jump-off fee of March is 3.26%. And you’re saying by the tip of the yr, a mid-3s is doable. Would that put the linked-quarter margin improve—give or take—a fairly good proxy?
David Bonaccorso: I might have a look at it a distinct means. You’re most likely taking a look at a handful of foundation factors 1 / 4. There are some actions evaluating off the prior quarter with that nonaccrual mortgage payoff, and many others. However that’s how I might give it some thought transferring forward: with the advantages to mortgage repricing, that’s most likely value just a few foundation factors, after which every other deposit repricing advantages we’ve alongside the way in which would add to that, such that you just get doubtlessly as much as a mid-3s quantity for the yr.
Jeffrey Allen Rulis: That’s nice. Thanks. After which perhaps only one different query on the credit score aspect. The timing of the massive mortgage decision—is that its personal impartial path, or do you discover that’s indicative of one thing transferring out there that makes you’re feeling like you may transfer ahead on this different bigger $8 million owner-occupied CRE? Or do you view them actually independently? Is that one thing that you just had been chasing down individually? And for this remaining mortgage, do you count on the exercise part to proceed for quarters to return?
Timothy D. Myers: They’re utterly totally different animals, Jeff. The notes we bought had been those we downgraded—that was our pandemic particular that we’ve been speaking about advert nauseam for plenty of years. The market was not going to recuperate in time for that to be correctly restructured. We aren’t going to take care of a mortgage on our books the place we have to take a charge-off, so we elected to promote the be aware, and Misako has completed a very good job of estimating worth and negotiating that sale such that we didn’t have any additional provisioning affect.
The opposite mortgage we’ve talked about on the calls is one thing the place, once more, the loan-to-value, the debt service protection ratio—all of the metrics are enough. We’re in a dispute over phrases of an extension or renewal—an extension. That’s what is holding it the place it’s. We’re in the midst of a authorized course of on that, so it’s not apples to apples. We’ll proceed to look to resolve that, however we should not have any loss expectations on that credit score, whereas the opposite one had a severe valuation affect, as you recognize.
Jeffrey Allen Rulis: Admire it, Tim. Perhaps most significantly, enthusiastic about your view of the overall market on the CRE aspect. As you view emptiness charges and the broader Bay Space, is it firming up? How would you characterize current CRE traits within the space?
Timothy D. Myers: I might proceed to bifurcate the Bay Space between San Francisco—notably for workplace—and the remainder of the Bay Space. We by no means noticed the numerous worth degradation or lease fee declines within the outer markets that we noticed in San Francisco, which, as you recognize, plummeted. The traits proceed to be very constructive, definitely quite a lot of that pushed by AI-related investments. Even on the property, on the be aware we bought, we had been taking a look at 20% to 30% a yr of enhancing NOI. The market is rebounding. There may be information about retail coming again within the retail areas. It needed to hit a backside. You see individuals being opportunistic now.
For these of us that had belongings at prior valuations, that was going to take a very long time, however we definitely see extra opportunism out there. A few of our exercise over the past couple of quarters has been associated to individuals taking benefit and making purchases. I view all that as a constructive. Once more, I might bifurcate between coping with an asset that was on the books earlier than the worth degradation and what’s taking place now. General, the traits stay very constructive in San Francisco.
Jeffrey Allen Rulis: Thanks. Admire it.
Operator: Your subsequent query will come from Woody Lay with KBW.
Woody Lay: Hey, good morning, guys.
David Bonaccorso: Morning, Woody.
Woody Lay: I hoped you might stroll by way of the upper bills within the first quarter—the leap from January. And it sounds just like the forecast, excluding the charitable contribution, ought to stay comparatively flat. Does that embed any further hiring from right here?
David Bonaccorso: Positive, I’ll begin. Zooming out somewhat bit, the corporate has a long-standing historical past of very robust expense administration. If you happen to return the final ten years or so, our noninterest expense to common belongings has been within the favorable prime 30% of friends. It is very important what we do, and that’s regardless of working in some fairly costly markets. The place the deviation might have occurred is that if an estimate was leaping off of This autumn for personnel expense. Remember we did have some incentive bonus reversals in This autumn, and traditionally Q3 has most likely been a greater predictor of Q1 than This autumn has.
Relative to Q3, our Q1 appears to be like much like the place it has been the final couple of years. Then you definitely placed on prime of that the annual resets we mentioned in our earnings supplies—payroll taxes, revenue sharing, and many others.—that’s how we get to the important thing driver of our total quantity this quarter, which is personnel. On charitable contributions, we count on that to normalize. One different space that was a little bit of an outlier this quarter was FDIC insurance coverage expense. As a result of repositioning, we had a decrease leverage ratio and unfavourable earnings in our final evaluation due to these losses. That was utilized to a better evaluation base given the steadiness sheet development and likewise decrease tangible fairness.
That explains a few of the expense you’re seeing in Q1, and we count on that to normalize as extra of the advantages of the repositioning stream by way of.
Woody Lay: Acquired it. That’s useful. After which, placing a few of the transferring items collectively, it feels like there’s a continued tailwind to the margin. You could have a barely greater expense base, nevertheless it ought to be comparatively secure versus Q1. So is the expectation nonetheless for constructive working leverage all year long?
David Bonaccorso: Sure. I agree with that.
Timothy D. Myers: We want to be opportunistic, although, and proceed so as to add hires that assist us drive development. I can’t actually predict the timing for that, however we want to make strategic development efforts in a few of the markets that perhaps have been lesser performing for us to get extra pistons firing. If we are able to make some hires that may assist drive development, we can be doing that with a thoughts towards including interest-bearing belongings to the books. That would affect the run fee over the yr. However as Dave stated, while you take all of the noise out, it begins to flatten out—minus any provides.
Woody Lay: Acquired it. Alright. I admire all the colour. Thanks for taking my questions.
Timothy D. Myers: Thanks.
Operator: Your subsequent query will come from Robert Andrew Terrell with Stephens.
Robert Andrew Terrell: Hey, good morning. Perhaps going again to the margin, I hoped I may get a finer level on a few of the mortgage repricing dynamics. The place are new origination yields coming in immediately, how does that evaluate to what’s rolling off, and do you could have a cadence of what you count on to reprice or flip over on the mortgage guide all year long?
David Bonaccorso: The same old statistic we give is a 12-month have a look at month-to-month mortgage yields, and that quantity might be 15 to twenty foundation factors evaluating the month-to-month mortgage yield in March 2026 to March 2025—rates of interest flat and steadiness sheet flat. On yields of latest loans, these had been 5.91% in Q1, which compares to five.51% for paid-off loans. We’ve about 17% of the portfolio repricing within the subsequent yr and 34% over the subsequent three years. That’s on web page 25 of the deck. Not a lot change to these numbers, and nonetheless a comparatively low degree of floating fee.
Timothy D. Myers: One of many headwinds is that for the prior couple of quarters, it was a fairly flat pattern in new asset yields versus these paying off. We proceed to have headwinds within the payoff of a few of the acquired mortgage or auto loans that we’ve talked about, and that was one of many bigger payoff classes within the quarter once more, and people are at greater yields. Getting a 40 foundation level carry regardless of that’s encouraging, however that has been a headwind as a result of these had been a few of our better-yielding loans, and the payoffs on that due to the charges have been barely greater.
Robert Andrew Terrell: Yep. Okay. Nice. I admire it. If I may shift over—you talked a bit on the buyback—however your CET1 and capital ratios have normalized put up the restructure final yr. It looks as if you’re comparatively according to peer ranges. Are you able to reframe—put up the restructure and now that the credit score image appears to be like lots cleaner this quarter—the place would you wish to be from a CET1 or leverage ratio standpoint? Remind us of the north stars there or the binding constraints?
Timothy D. Myers: We’ve probably not established a particular degree the place we should be. It’s all relative to the chance in your steadiness sheet, clearly. As I discussed earlier than, that could be a dialog we’re going to be extra keen to have now that we’ve much less threat inside our mortgage guide and fewer probability of huge, shocking provisioning or charge-offs. I’m reluctant to present a goal there, however I might say it’s a dialog we’re going to be extra keen to have as a administration group and board.
I’ll add, as a result of quite a lot of consideration will get paid to holding firm capital ratios, an essential consideration for us is our bank-level capital ratios and relative to friends there. I believe that’s the place we’ve most likely extra to do by way of rebuilding these.
Robert Andrew Terrell: Is sensible. Final one from me. Your profitability is up quite a bit because the restructure, however ROTCE on an working foundation continues to be round that 10% degree. As you step again and have a look at your forecast, the place do you see the incremental levers to drag to enhance profitability nearer to look ranges?
Timothy D. Myers: The 2 the place we’re most intently targeted are constructing mortgage exercise—notably whereas yields are the place they’re—and driving extra charge revenue. We’ve some strategic initiatives round that. Somebody talked about constructing extra working leverage into the mannequin; that’s what we want to do. If we make provides, it will likely be primarily round driving mortgage development. If that occurs rapidly sufficient, you get that nearly quick constructive working leverage. And we’ve methods round driving charge revenue that may add meaningfully to the underside line—nothing overly dramatic, however essential steps. I don’t see any large price discount exercise; the purpose at this level is to not reduce our means into extra profitability.
Robert Andrew Terrell: Acquired it. Okay. Thanks for taking the questions.
Timothy D. Myers: Thanks.
Operator: As a reminder, if you need to ask a query, please click on on the increase hand button on the backside of your display. Our subsequent query will come from David Feaster with Raymond James.
David Feaster: Hello. Good morning, everyone.
Timothy D. Myers: Morning.
David Feaster: On the expansion aspect for a minute, there are some actually encouraging traits with the originations and the pipeline development. I hoped you might elaborate on a few of the drivers. You alluded to new hires—that makes apparent sense as to growing productiveness—however you additionally mentioned within the deck comp program enhancements and updates to calling applications. Are you able to elaborate on what you probably did there, and the way a lot of the expansion in originations you’re seeing this quarter is from new hires versus growing productiveness from current bankers?
Timothy D. Myers: Thanks, David. I might say nearly all of the manufacturing got here from these hires we’ve been referencing over the past yr. The highest individuals proceed to be the highest individuals. We’ve made some management adjustments in our Sacramento market, realizing we would have liked to do higher put up the American River Financial institution acquisition to seize the alternatives on the market, and that’s paying dividends. I might say the Sacramento market total is driving portion of the expansion that was booked—even loans booked in different workplaces are to debtors which might be in Sacramento, simply different individuals’s relationships.
So it’s doing a greater job in Sacramento, doing a greater job with hiring, and having an incentive plan that pays individuals pretty with out so many caps so that you’re incenting extra of a hockey-stick strategy. Perhaps individuals need to do extra to enter into the motivation element, but when they speed up or exceed their greater hurdles, then the payouts get larger. Mix good individuals with a greater plan and also you get outcomes, and that’s what we’re seeing. We’re beginning to see life within the development market.
Our development group has gotten much more energetic—going again to my feedback earlier about exercise in San Francisco—extra individuals stepping in to purchase properties for growth for condos and single-family residences. We’re beginning to see that come again as effectively. It isn’t anybody factor; it’s a mixture of all these issues.
David Feaster: Okay. Perhaps simply referring to the credit score aspect. It’s good to see the credit score cleanup this quarter. Unique of that—with that within the rearview—issues look fairly benign, at the least in your steadiness sheet. What are you seeing on credit score broadly? I do know the wine trade is below a little bit of strain. You could have completed a deep dive into upcoming CRE maturities. Are you able to speak concerning the takeaways from that—high-level credit score commentary—and whether or not you’re seeing extra strain on underwriting or credit score broadly given growing trade competitors?
Timothy D. Myers: I’ll begin at your finish there. I believe competitors has picked up—loan-to-value, debt protection, recourse versus nonrecourse. We definitely see the market getting frothy at occasions, notably in sure asset lessons like multifamily. Wine is a giant weak spot. We predict we’re managing that effectively, and our publicity isn’t all that large there anymore, however as a headwind to a part of the North Bay economic system, sure, that trade is struggling. We don’t see quite a lot of affect inside our buyer base from issues which might be making the nationwide information like tariffs or price of oil and transportation.
Not that it’s not on the market, however we’re usually seeing secure and wholesome financial traits with what we’re taking a look at. We be ok with our business actual property and, minus some ups and downs in particular person efficiency, I don’t see any traits that trigger me to fret that we’re going to revert again to bigger downgrades into substandard or nonaccrual. If you happen to took out the authorized facet of what we’re coping with on the singular nonaccrual mortgage we’ve, we might be again to virtually zero, which, as you recognize, is the place we like to be.
David Feaster: That’s useful. your slide deck—on slide six, you could have these 4 prime priorities to drive long-term worth. Quantity three is scaling by way of effectivity features and M&A. You already talked a bit about quantity 4 and primary, and stated you aren’t going to speak about quantity two. I hoped you might speak a bit about quantity three—the place you’re seeing alternatives for effectivity features and any ideas on M&A.
Timothy D. Myers: I’ll speak about quantity two—it’s not that I cannot—it’s simply that giving steering is one thing we’re very reluctant to do. However we do have particular initiatives round treasury administration charge revenue, wealth administration and belief revenue. There are a selection of elements that may add as much as a significant improve in that element, however nobody factor that’s overly dramatic. On M&A, getting our valuation again and persevering with to construct on that opens extra doorways for us. It’s definitely one thing we stay open to; we’ve not shut the door on that in any respect.
For some time, it was difficult on deal metrics with the place we had been buying and selling, however we hope that continues to make enhancements and M&A can grow to be a extra real looking alternative for us. On effectivity, over the past couple of years we’ve completed some workers changes and closed some branches. We at the moment are in our second yr of serious effectivity methods inside know-how and again workplace, and going ahead round AI—utilizing that intelligently to construct efficiencies into the system and extra working leverage. Once more, it’s plenty of arrows within the quiver versus anybody or two large issues. These are the principle issues we imply in that quantity three.
David Feaster: That’s useful. Thanks, everyone.
Operator: Your subsequent query will come from Timothy Norton Coffey with Brean Capital.
Timothy Norton Coffey: Alright. How are you guys doing immediately?
Timothy D. Myers: Good morning, Tim.
Timothy Norton Coffey: Morning, Tim. I’ve a few questions on the mortgage aspect. With regards to the spreads out there proper now, are you involved about these spreads beginning to compress given, one, the overall degree of competitors, but additionally a few of the new entrants to the market?
Timothy D. Myers: There is no such thing as a query there was fairly unimaginable compression in pricing. We attempt to persist with an strategy that meets our ROA hurdles. Usually, loans priced within the 200 over Treasury, relying on kind of mortgage or above, are going to fulfill that. We recurrently see individuals bidding on the 150 to 175 foundation level degree. Our job is to parse by way of these, get the actually enticing alternatives, and never race to the underside—get high-quality credit score at as excessive an expansion as we are able to. However the market could be very aggressive on pricing.
Timothy Norton Coffey: As you develop loans this yr or guide new loans, are you agnostic to the sort, or do you favor one over the opposite—like business over business actual property, for example?
Timothy D. Myers: I’ve been saying for some time I might like to do a better proportion of C&I. That could be a gradual shift to show, however we’re seeing a better proportion. If you happen to have a look at the breakdown of loans we booked this quarter, it just about mirrors that of the general portfolio, however inside that breakdown there was a skewing in the direction of C&I. We had virtually $9 million of unfunded commitments inside that C&I bucket for the quarter, so we might like to proceed to drive that. We’re seeing a better combine over the previous few quarters of multifamily, and I believe all of which has been CRA-qualified, in order that accomplishes plenty of issues.
If we are able to win a multifamily deal at unfold, that’s one thing value being reasonably aggressive over. I count on development to choose again up—clearly there may be all the time threat in that guide it’s a must to handle—however that has been a piston that was not firing. Given the type of development tasks we did within the geographies we did them, it’s good to see that coming again as effectively. We’re usually agnostic, but when we proceed these traits, it’s going to assist from each a focus standpoint and the expansion facet. The place we’re doing job and the place the expansion out there is correct now appear to align fairly effectively.
Timothy Norton Coffey: Additional development in C&I and development, all else equal, would most likely put upward strain in your allowance ratio. Is that about proper?
David Bonaccorso: Presumably, sure.
Timothy D. Myers: It is determined by the person credit, however sure, that’s doable.
Timothy Norton Coffey: After which one for you, Dave. What’s the applicable tax fee to make use of?
David Bonaccorso: What we skilled this quarter, I believe, is fairly indicative for the total yr.
Timothy Norton Coffey: Alright. Nice. These are my questions. Thanks a lot.
Timothy D. Myers: Slightly simpler yr from a tax perspective than final yr.
Timothy Norton Coffey: Alright. Acquired it. Thanks.
Operator: We’ve no additional questions at the moment. I’ll hand again to Timothy D. Myers for closing remarks.
Timothy D. Myers: Thanks once more to everyone. If you happen to want any follow-up info, by all means, please attain out to David Bonaccorso and/or myself, and we are going to get you solutions. Trying ahead to seeing you on the subsequent quarterly name.
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Bank of Marin (BMRC) Q1 2026 Earnings Transcript was initially revealed by The Motley Idiot
