Question · Q4 2025
Kyle Gehrman asked for insights into the segments and geographic areas driving loan growth, the current pipeline outlook, and the observed payoff and prepayment trends during the quarter.
Answer
CFO Doug Schosser indicated a strong and broad-based pipeline, with growth across national verticals and a focus on the four-state footprint. He mentioned tax changes benefiting equipment finance. Regarding payoffs, he noted a significant source was the focus on managing down criticized and classified assets, along with normal business flows and refinancing activity due to changing interest rates.
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