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Record total revenue and net interest income were primarily driven by achieving new record levels in both loans and deposits.

Management attributed the 8% year-over-year deposit growth to a successful shift toward core relationship banking, with demand deposits representing over two-thirds of the quarter's increase.

A proactive focus on small business checking campaigns and retail-to-commercial conversions fueled a 19% year-over-year increase in non-interest-bearing deposits.

Loan growth of 7% year-over-year was characterized by intentional diversification into residential mortgage and C&I sectors to balance the portfolio's CRE concentration.

The bank maintained industry-leading efficiency with a 36.7% efficiency ratio, supported by a disciplined approach to operating expenses while investing in growth platforms.

Credit quality remained stable with non-performing assets at 29 basis points, reflecting a conservative underwriting culture and disciplined risk management.

Full-year loan growth guidance was upgraded to a range of 6%-8% based on strong first-half momentum and a robust Q3 pipeline.

Net interest income (NII) growth expectations were raised to 7%-9% for the full year, assuming a flat Fed funds environment through year-end.

Management expects the net interest margin to remain relatively stable, with balance sheet growth serving as the primary driver for NII expansion.

Full-year expense growth guidance was narrowed to 8%-9%, with compensation costs expected to moderate in the second half of the year.

The bank remains committed to a 'third, third, third' loan diversification strategy, aiming to increase residential mortgage and C&I weightings relative to CRE.

A temporary inflow of approximately $200 million to $250 million in demand deposits was attributed to one-time tariff refund programs.

The bank maintains a significant capital advantage with a Common Equity Tier 1 ratio of 15.4%, positioning it to be 'too strong to fail' regardless of regulatory thresholds.

Net charge-offs increased to 19 basis points from 9 basis points in the prior quarter, though management reaffirmed the full-year guidance of 15-25 basis points.

Management signaled a neutral but opportunistic stance on capital allocation, weighing share buybacks against potential disciplined M&A in wealth management or Asian-American banking.

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Management expects the margin to hold stable in a flat rate environment, despite some 'grinding' lower in loan yields due to mix shifts.

Deposit costs were reduced by 49 basis points over the past year against 75 basis points of Fed cuts, aided by pricing discipline and customer loyalty.

Approximately $200-$250 million of period-end DDA growth was linked to tariff refunds, most of which exited shortly after quarter-end.

The bank faces $13 billion in CD roll-offs in Q3, which are being priced for retention at 3.60% to 3.75% rather than balance expansion.

Growth was broad-based across financial services, equipment finance, and manufacturing, offsetting expected paydowns in private equity capital call lines.

Management intends to defend the current 34% C&I allocation while continuing to chip away at the 37% CRE concentration through balanced growth.

Q2 compensation was elevated due to deferred compensation plans and changes in vacation pay accounting, both of which are expected to moderate in H2.

Management views the efficiency ratio as an output of revenue growth, suggesting higher expenses would only occur if revenue outperformed expectations.