Local SMB Focus Leverage the regional footprint and strong customer service orientation to win local small business borrowers and deposit customers with tailored commercial loan checking and cash management offerings.

High Rate Advantage Promote the strong rate campaign as a lead magnet to attract new deposits and cross sell CDs and IRAs, helping build deeper customer relationships.

Cross Sell Potential Broaden offerings to small and mid sized businesses with merchant services payroll friendly business checking ACH and remote deposit capture to create bundled treasury solutions.

Digital Transformation There is room to modernize digital banking by introducing online and mobile platforms data driven marketing and API integrations to improve onboarding and retention.

Growth Readiness Focus on scalable underwriting risk and compliance processes and selectively pursue partnership opportunities to expand deposits broaden lending and improve operating efficiency.