“So that's all, again, a big focus for us as we look into 2026 and continued NIM expansion.”

In context

“feel there's definitely a path to 3% in 2027. The drivers of net interest margin are going to be the mix that I just mentioned as well as the fixed asset repricing. What I would say there on the fixed asset repricing is that we'll have slightly or we'll have more balances that should reprice this year than last year. But it'll be likely at a lower spread just because the nature of long-term rates have come down over the course of the year, and based on our forecast. So those are kind of the pieces. And then the deposit mix is gonna continue to improve with the focus on consumer deposit growth, which we've been very successful at growing this year, as well as commercial deposits that are tied to strong fee categories like treasury management, institutional businesses, and things like that. So that's all, again, a big focus for us as we look into 2026 and continued NIM expansion. John McDonald: Okay. Thank you. Operator: Our next question comes from Ebrahim Poonawala from Bank of America. Please go ahead. Your line is open. Ebrahim Poonawala: Good morning. I guess good morning. Maybe, John, just hey, John. Following up on the slide 10 on the deposit growth, just spend some time talking about drivers of deposit growth. You're having the mix towards consumer deposits. What's driving that net net? Is that accretive as we think should we continue to think about that mix shifting to the consumer side? And how accretive is that when we think about either deposit margin or the overall margin? Thanks. John Stern: Sure. So, you know, on the deposit, a couple of things are going on in the deposit growth. This over the course of the year, we saw steady growth in the consumer”