“Our earning assets, we know are going to be formulaic and continue to reprice, whether that's the investment portfolio or the mortgage book. We expect kind of in that 6 basis point to 8 basis point range on average, given current levels.”

In context

“stically working with the investment portfolio to deploy excess liquidity. So, if you think about some of these things going forward, the higher and lower end of the range, I'd say a couple different things. First of all, I would just say, as I mentioned, we expect stable third quarter net interest income. And then from there, we do expect growth. We would anticipate that the pluses and minuses is going to be depending upon deposit rotation and beta. We do expect some level of rotation out of deposits going forward, but it's going to be relatively modest. And as you can tell, it's slowed. In terms of rate paid, that's going to be dependent on the market. But as you can tell, that has slowed as well. And we feel good about our positioning for rate cuts as we move forward should they occur. Our earning assets, we know are going to be formulaic and continue to reprice, whether that's the investment portfolio or the mortgage book. We expect kind of in that 6 basis point to 8 basis point range on average, given current levels. And then, loan growth, we assume to be very modest in this -- in our forecast kind of going forward just kind of given the loan dynamics that we're seeing. And then, finally, I would just say, although it's not as going to be meaningful for 2024, it's just the actions of the Fed and what they do, whether they cut or not. So, those are kind of the puts and takes as we kind of think about the next couple of quarters. Scott Siefers: Okay. Perfect. Thank you, John. And then maybe if I could ask you to delve a little more deeply into one portion of that, just you noted modest loan growth here going forward. What are you all seeing in terms of commercial loan demand? I guess, I sort of asked within the backdrop of the modest outlook, but your average commercial loan growth this quarter looked a”