“I don't anticipate the office portfolio to grow really at all or much.”

In context

“e. If anything in the multifamily space where there were pockets of excess supply in certain parts of the country that's seems to be getting work through in reasonable way. But otherwise, I'd say things have been pretty consistent across the rest of the different parts of the commercial real estate portfolio for a while now. Gerard Cassidy: Okay. And it was a curse a year or two ago to grow commercial real estate mortgage. Do you think that we could see commercial real estate mortgage growth in 2026 for you guys? As if we see continued evidence of bottoming out of the commercial real estate markets? Mike Santomassimo: Are you talking about office or are you talking about the broader commercial real estate portfolio? Gerard Cassidy: In both areas generally speaking. Mike Santomassimo: Yes. I don't anticipate the office portfolio to grow really at all or much. I think on the broader commercial real estate, think there's opportunity to continue to look at like areas of growth there for sure over some reasonable period of time. When that actually manifests itself will be a function of what opportunity there is. But I do want to just come back and just be clear about one thing. Mike's talking about just overall total loans. We are lending across all the different categories in the commercial real estate space. Including office where we think their quality properties with the right sponsors and backing and things like that. So we're actively and have been actively looking at where we can continue to add loans. And the only question is how much is that relative to the payoffs that we continue to see. Gerard Cassidy: Very good. Thank you, Charlie. An”