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Delivered record quarterly loan production of $896 million, driven by a disciplined long-term strategy of investing in talent and deepening customer relationships.

Capitalized on market disruptions to hire over 25 new teammates, primarily in Texas, to strengthen service capabilities across corporate and small business segments.

Attributed 70% of year-over-year loan growth to the C&I portfolio, reflecting strong customer activity and the long-term benefit of previous organizational investments.

Achieved record fiduciary and asset management revenue, supported by higher trust fees and a nearly 10% annual increase in Assets Under Management and Administration (AUMA).

Maintained exceptional credit quality with net charge-offs of only 3 basis points over the last 12 months, showing no specific patterns of concern across business lines.

Reported the first profitable month for the mortgage finance business less than a year after its inception, signaling strong operational momentum.

Increased full-year 2026 loan growth guidance to over 10% based on strong first-half momentum and diverse portfolio activity.

Expects net interest margin expansion in the second half of 2026, driven by fixed-rate asset repricing and the return of temporary cash margins from energy derivative customers.

Anticipates total revenue growth in the upper portion of the mid-single-digit range, assuming no Federal Reserve rate changes and current forward curve alignment.

Projects full-year 2026 provision expense to remain below $20 million, given the lack of tangible evidence of broad-based credit normalization.

Assumes continued expense discipline with growth in the low single digits, even while accounting for recent significant investments in new revenue-producing talent.

Recognized a $30.9 million pretax gain from the exchange of Visa Class B shares, which influenced the full-year efficiency ratio target of approximately 62%.

Utilized a portion of the Visa gain to reposition the securities portfolio, realizing $4.6 million in pretax losses to improve future yields on $268 million of reinvested securities.

Noted a temporary 3-basis-point negative impact on core margin due to cash margin requirements for energy derivative customers following oil price increases.

Reported an $8.9 million increase in deferred compensation expense, which was entirely offset by corresponding gains in other non-interest income categories.

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Management expects margin expansion driven by the return of cash margins from energy customers and the repricing of the securities portfolio.

Guidance does not rely on improvements in deposit costs, though the bank's low loan-to-deposit ratio provides flexibility in managing rate-seeking deposits.

While current sales pipelines are not as record-breaking as they were entering Q2, they remain stronger than Q1 levels.

Growth is expected to be supported by the mortgage finance business and the eventual contribution of newly hired talent, which has a long sales cycle.

The Q2 decline was attributed to market dislocation in April and May, particularly affecting mortgage-backed securities trading.

Management noted activity improved in June and emphasized that historical dips in this business are typically followed by a bounce back.

Management indicated the ACL percentage could continue to fall if credit metrics remain better than CECL day 1 levels and the economy stays stable.

Current credit metrics show no signs of broad-based normalization, supporting the decision for zero provision in recent quarters.