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Achieved record quarterly loan originations of $805 million, driven by market share gains and expanded relationships with existing clients across diversified geographies.

Successfully closed the Vista acquisition in early January, contributing $1.9 billion in loans and providing a strategic entry into the high-growth Texas market.

Expanded net interest margin to 4.06% through a 24 basis point increase in earning asset yields while maintaining a disciplined cost of deposits below 2%.

Realized significant momentum in the Trust and Wealth Management business, which has doubled assets under management to $1.4 billion over the past three years.

Maintained top-quartile credit quality with criticized loans reaching their lowest levels in four years and a reduction in non-performing assets.

Attracted high-caliber talent post-acquisition, including 10 new bankers and four former bank presidents, to drive future organic growth.

Reiterated confidence in surpassing $1.00 earnings per share by the fourth quarter of 2026, supported by earning asset growth and expense synergies.

Projecting full-year loan growth of approximately 10%, assuming a normalization from the record 12.4% annualized growth seen in Q1.

Expect net interest margin to remain near 4% for the remainder of the year, assuming no changes to Federal Reserve interest rate policy.

Anticipate realizing the majority of Vista-related expense synergies following the third quarter system integration scheduled for late July.

Forecasted full-year fee income between $75 million and $80 million, with Unifi revenue contributions expected to be weighted toward the second half of the year.

Incurred $15.3 million in acquisition and restructuring costs during Q1, primarily related to severance and exit-related compensation for the Vista transaction.

Invested $0.5 million in incremental Q1 expense for new banker hires, which is expected to add approximately $4 million to the annual run rate expense.

Maintained $24 million in marks against the acquired loan portfolio, providing an additional 25 basis points of potential loan loss coverage.

Reduced the cash burn rate for the Unifi platform to approximately $10 million for the year, despite a $22 million total expense line that includes non-cash depreciation.

Management expressed high confidence based on a projected $1 billion increase in earning assets by Q4 compared to Q1 levels.

The target is supported by a significant step-down in the expense run rate as Vista synergies are fully realized post-July conversion.

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The Q1 margin included approximately 5 basis points of loan accretion from the Vista acquisition.

Management expects to maintain a margin near 4% by funding new loan originations (averaging 6.4% yield) with core relationship deposits.

Weekly application volume has accelerated from 40 to nearly 400, though management acknowledged the need to improve the conversion rate for account openings.

The platform is expected to reach a "meaningful breakthrough" in the back half of the year as engagement metrics translate to fundings.

Management attributed the 34 basis point annualized charge-off rate to normal portfolio movements and emphasized a dramatic reduction in criticized/classified loans.

Expectation is for non-performing assets to trend downward over the course of the year.

Q2 expenses may see a slight uptick due to additional payroll days and merit increases before trending down in the second half of the year.

Management expects to "meet or beat" the originally modeled expense synergies from the Vista acquisition.

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