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- **Record Earnings**: Q3 net income up 23.6% YoY to $123.6 million, driven by 12bps NIM expansion to 4.56%.
- **Disciplined Growth**: $105 million organic loan growth (4.71% annualized), with 80% of new loans in Florida/Texas.
- **M&A Momentum**: Signed $7 billion deal LOI, with potential for multiple smaller acquisitions.
- **Liquidity Boost**: $20 million sub debt buyback reduced interest expense, with $1.9 million gain.
- **Credit Resilience**: Improved asset quality metrics, with $1.9 million gain on Texas credit resolution.

**【CEO Summary Section】**
- **Record Financial Performance**: Q3 2025 net income of $123.6 million, EPS of $0.63, and revenue of $277.7 million, up 23.6% YoY. 
- **Net Interest Margin Expansion**: NIM increased 12bps to 4.56%, driven by 2bps loan yield growth and 2bps deposit cost decline.
- **Loan Growth**: Organic loan growth of $105 million (4.71% annualized), with $800 million in Community Bank originations.
- **Efficiency Ratio**: Improved to 40.2%, with focus on core expense control.
- **Texas Lawsuit Settlement**: Received partial payment, with balance expected in Q4.

**【CFO Financial Commentary】**
- **Profitability Metrics**: ROA of 2.10%, pretax pre-provision net revenue of $162.8 million, and 58.64% profit margin.
- **Balance Sheet Strength**: $15.8 billion in loans, 18.5% equity/assets ratio, and 13.08% tangible equity/assets.
- **Sub Debt Buybacks**: Purchased $20 million of sub debt at a $1.9 million gain, reducing interest expense.
- **Legal Costs**: $100,000 in Q3 related to Texas lawsuit, with $500,000 donation to flood relief.

**【Q&A Highlights】**
- **NIM Outlook**: Management confident in maintaining margin through disciplined repricing, with 63% of loans on variable rates.
- **M&A Activity**: Signed LOI for $7 billion deal, with potential for multiple smaller transactions.
- **Credit Quality**: Improved NPLs and past dues, with $1.9 million gain on Texas C&amp;I credit resolution.
- **Deposit Strategy**: No CD ads, focusing on core deposits (wholesale at 2.3% of liabilities).

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