.2
| Selected Financial Data (in thousands except number of employees) | 9/30/2026 | 6/30/2026 | 9/30/2025 | |||||||||
| Scheduled CD maturities for subsequent quarter | $ | 577,396 | $ | 558,471 | $ | 642,619 | ||||||
| Average rate scheduled CD maturities for subsequent quarter | 3.36 | % | 3.32 | % | 4.04 | % | ||||||
| Average loan rate - loan originations/renewals QTD (excludes fees) | 6.59 | % | 6.33 | % | 6.87 | % | ||||||
| Cost of total deposits, Qtr-End | 2.28 | % | 2.21 | % | 2.63 | % | ||||||
| Cost of interest-bearing deposits, Qtr-End | 2.89 | % | 2.80 | % | 3.24 | % | ||||||
| Net interest margin, final month of Qtr | 3.68 | % | 3.59 | % | 2.97 | % | ||||||
| Noninterest bearing DDA balances, Qtr-End | $ | 2,910,281 | $ | 2,995,402 | $ | 2,598,895 | ||||||
| Reserve for unfunded commitments, Qtr-End | $ | 710 | $ | 364 | $ | 780 | ||||||
| Credit card spend QTD | $ | 286,913 | $ | 280,533 | $ | 272,473 | ||||||
| Credit card net income QTD | $ | 2,409 | $ | 2,492 | $ | 2,405 | ||||||
| Merchant services fees QTD | $ | 745 | $ | 714 | $ | 580 | ||||||
| Mortgage banking income QTD | $ | 1,935 | $ | 2,221 | $ | 1,864 | ||||||
| FDIC insurance QTD | $ | 2,475 | $ | 2,475 | $ | 2,475 | ||||||
| Salaries & employee benefits QTD | $ | 26,927 | $ | 26,274 | $ | 25,522 | ||||||
| Other operating expense | $ | 8,935 | $ | 6,707 | $ | 6,083 | ||||||
| Third party processing and other services QTD | $ | 8,082 | $ | 7,962 | $ | 8,095 | ||||||
| Equipment and occupancy expense QTD | $ | 3,380 | $ | 3,964 | $ | 3,615 | ||||||
| Earnings retention YTD | 76 | % | 75 | % | 72 | % | ||||||
| QTD tax rate | 17.21 | % | 19.94 | % | 16.81 | % | ||||||
| YTD tax rate | 18.34 | % | 18.91 | % | 18.89 | % | ||||||
| Available Liquidity | 9/30/2026 | 6/30/2026 | 9/30/2025 | |||||||||
| Cash and cash equivalents | $ | 1,185,015 | $ | 1,456,473 | $ | 1,773,305 | ||||||
| Investment Securities (mkt value), net of pledged 1 | $ | 297,143 | $ | 260,846 | $ | 448,305 | ||||||
| Total on balance sheet liquidity | $ | 1,482,158 | $ | 1,717,319 | $ | 2,398,323 | ||||||
| FHLB fundings availability | $ | 3,355,315 | $ | 3,403,609 | $ | 3,159,368 | ||||||
| Correspondent lines of credit availability | $ | 150,000 | $ | 150,000 | $ | 225,000 | ||||||
| Brokered deposit availability (25% of assets per policy) | $ | 4,579,923 | $ | 4,586,374 | $ | 4,396,050 | ||||||
| Federal Reserve Bank fundings availability | $ | 2,588,630 | $ | 2,562,745 | $ | 2,215,168 | ||||||
| Total Available Liquidity | $ | 12,156,026 | $ | 12,420,048 | $ | 12,393,909 | ||||||
1. Reported investment securities balance includes a 50% haircut on corporate securities ($187 million) per regulatory guidance