President and CEO, Christopher T. Holmes stated, “The company continues to execute well in key initiatives of limiting balance sheet risk, improving profitability and enhancing operations. We have had success growing core banking relationships, improving net interest margin and reducing expenses while improving our risk profile by managing credit concentrations, all during what was a difficult banking year. Our success in 2023 has prepared us to deal with potential economic challenges, and at the same time, has positioned us to take advantage of opportunities.”
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