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- **Asset Quality Focus**: Q3 NPA up 42% to $140 million, with $11.8 million recovery in Q3 and aggressive resolution pipeline.
- **Expense Reduction**: $2-3M quarterly savings starting Q4, targeting 2026 expense reductions.
- **Loan Growth**: Q4 pipeline of $350M (organic + syndications), net growth 1.8-2.5%.
- **Interest Rate Risk**: Q4 NIM guidance 3.25% reflects 30bp rate cut impact.
- **Capital Deployment**: Resuming buybacks at $13M Q4, CET1 11.54%.

**【CEO Summary Section】**
- Emphasized asset quality as top priority, delaying loan growth to focus on resolving nonperforming assets.
- Launched expense reduction initiative targeting $2-3 million quarterly savings starting Q4 2025.
- Launched syndication program with $350 million pipeline for Q4, aiming to diversify risk and reduce hold sizes.
- Highlighted proactive credit reviews covering 50% of loan portfolio in Q3, with third-party assistance to ensure accuracy.

**【CFO Financial Commentary】**
- Q3 net interest income: $94.2 million, up 3.7% YoY, driven by higher loan rates and reduced brokered deposits.
- Core PPNR: $33.8 million, down 3.7% from Q2 due to elevated asset quality-related expenses.
- Q4 2025 guidance: NIM ~3.25%, loan growth $125-175 million, expense reduction to $74-75 million range.
- Capital ratios remain strong (CET1 11.54%), with $13 million buyback authorization for Q4.

**【Q&A Key Highlights】**
- **Credit Outlook**: Expect reduced charge-offs in Q4 as proactive resolutions take hold; 2026 focus on reducing NPA coverage ratio.
- **Expense Management**: $2-3 million quarterly savings from contract reviews, in-house task transfers, and operational efficiency.
- **Syndication Strategy**: Targeting $150 million in Q4 syndications to supplement organic loan growth while maintaining risk discipline.
- **Interest Rate Impact**: Q4 NIM guidance reflects 30bp rate cut impact, with floating-rate loans repricing downward.
- **Strategic Alternatives**: Open to M&A but prioritizing organic growth and balance sheet optimization.

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