{ "schemaVersion": "deck-intelligence.v1", "id": "019de075-5236-71e4-a461-a54515569701", "slug": "e16c24b105da808c3de7ddcdac8361d6", "title": "HBT Financial | Results Presentation Deck | 36 slides", "subtitle": "HBT Financial · 2023-07", "author": "HBT Financial", "date": "2023-07-01 00:00:00", "pageCount": 36, "kind": "conference-presentation", "orientation": "landscape", "aspectRatio": 1.4138439, "document": { "id": "019de075-5236-71e4-a461-a54515569701", "slug": "e16c24b105da808c3de7ddcdac8361d6", "title": "HBT Financial | Results Presentation Deck | 36 slides", "rawTitle": "HBT Financial | Results Presentation Deck | 36 slides", "authorId": "hbt-financial", "authorName": "HBT Financial", "authorDisplay": "HBT Financial", "kind": { "slug": "conference-presentation", "label": "Conference presentation" }, "sourceType": { "slug": "investor_relations", "label": "Investor relations" }, "fileName": "2023-07__hbt-financial__results__e16c24b1.pdf", "sourceUrl": "https://www.slidebook.io/company/hbt-financial/presentation/e16c24b105da808c3de7ddcdac8361d6/", "sourceDate": "2023-07-24 00:00:00", "presentationDate": "2023-07-01 00:00:00", "ingestedAt": "2026-04-30 22:14:38.491675+00", "status": "ready", "pageCount": 36, "orientation": "landscape", "aspectRatio": 1.4138439, "targetCompany": null, "targetTicker": null, "metadata": { "corpus": "slidebook", "industry": "banks-regional", "local_root": "/Users/miguelsuredasuau/Desktop/lalalalla/_scrape/slidebook/decks/2023-07__hbt-financial__results__e16c24b1", "image_width": 1920, "image_format": "jpg", "deck_type_raw": "Results Presentation Deck", "deck_type_slug": null, "source_url_pattern": "https://www.slidebook.io/company/{company_slug}/presentation/{deck_id}/" } }, "coverage": { "pageCount": 36, "pagesIndexed": 36, "pagesWithImages": 36, "pagesWithMetadata": 36, "imageCoveragePct": 100, "metadataCoveragePct": 100, "componentCount": 158, "chartCount": 25, "metricSlides": 0, "toolMatches": 20, "documentToolMatches": 0, "frameworkMatches": 8, "arcMatches": 0, "beatMatches": 0, "loopMatches": 0, "patternMatches": 0, "storymakersMatch": false, "scoreAvailable": false, "reviewAvailable": false, "activistThesisAvailable": false, "pitchdeckMetadataAvailable": false, "pitchdeckProfileAvailable": false }, "blocks": [], "matches": { "arcs": [], "beats": [], "loops": [], "tools": [ { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "8ad62fbb-17b0-4f0e-9830-8426010939a9", "evidence": "list/bullet: Diversified deposit base and excellent asset quality: Maintained a strong net interest margin of 4.16% and a net interest margin (tax equivalent basis) of 4.22%, both down only 4 basis points compared to Q1", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 03:38:30.401593+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 3, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "e4d50404-07a9-45b2-b9e8-a3bf0fd089b1", "evidence": "table/data: Income statement table showing 2Q23 GAAP, adjustments, and adjusted figures.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 03:38:30.518662+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "8ebdb0cb-83c8-4995-9a55-cf09685adeeb", "evidence": "chart/waterfall-bridge: 2Q23 NIM Analysis waterfall chart", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 03:38:30.55752+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "32ccf01b-8017-4800-87db-35cb8a30191a", "evidence": "table/data: Interest-bearing demand, Money market, Savings, Time, Total interest-bearing deposits, Total deposits with corresponding Interest Costs 2Q23 and Spot Interest Rates 6/30/23", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 03:38:30.638327+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 6, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "5516b874-1958-478d-91c8-7af54bc6678b", "evidence": "list/bullet: Municipal, Consumer and Other portfolio details including sub-segments like Senior Living and Medical.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 03:38:27.103021+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 9, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "25131887-1bef-4648-8978-658c20da05ee", "evidence": "chart/waterfall-bridge: 2Q23 ACL Activity ($000)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 03:38:27.16999+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 10, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "9c83070e-a15d-40aa-a2d4-088ae050aafd", "evidence": "list/bullet: Comprehensive Wealth Management Services: Proprietary investment management solutions, Financial planning, Trust and estate administration", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 00:27:32.223998+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 11, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "01e31e61-b57f-46f7-9d98-e621d7d25380", "evidence": "table/data: Key investment portfolio metrics table comparing AFS and HTM securities across amortized cost, unrealized gain/loss, allowance, fair value, book yield, and duration.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 00:27:32.294942+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 12, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "31b3a45c-e0aa-445f-a7da-77fa40d545c4", "evidence": "table/data: Liquidity Sources ($000)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 00:27:32.365801+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 13, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "2x2 matrix", "slug": "matrix-2x2", "status": "active", "bestFor": null, "canonId": "019dd9e1-50ab-72d1-8afb-3ab0a38e32a8", "version": 1, "bodyDocId": null, "description": "BCG matrix, importance/urgency, any axes-and-quadrants frame.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "a090412b-f7ee-47f1-b519-b3f5a97ee9ee", "evidence": "not clear evidence, but could be considered in context of peer comparison", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.5, "extraction": { "at": "2026-07-17 00:27:32.08339+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 23, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Slide recipe: the peer-gap chart", "slug": "peer-gap-chart-recipe", "status": "active", "bestFor": null, "canonId": "019df269-2b04-75bc-ad85-e0179264bdd7", "version": 1, "bodyDocId": "019df269-2ae1-771d-9cd1-193a2e25f21c", "description": "The single most-copied slide in activism. This is the exact layout, used", "familyLabel": "slide-recipe", "categoryName": "Slide", "categorySlug": "slide" }, "agent": "designer", "layer": "slide", "agents": [ "designer" ], "matchId": "ce77ba24-d049-428e-beca-a497814a2c29", "evidence": "Bar chart comparing HBT vs High Performing Peers cost of deposits from 2017 to 1Q23", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 00:27:32.048523+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 23, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "a4d11c30-589d-4a39-9ab5-def5b93607b2", "evidence": "list/bullet: Chicago MSA: Entered 2011, local talent disruption, scale/diversity. Central Illinois: Deep-rooted presence, resilient, Town and Country merger. Iowa: Entered 2021, NXT acquisition, lending limit expansion.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.15243+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 24, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "c9958ebe-62a6-4e1a-b39d-5d3ca4228489", "evidence": "list/bullet: Disciplined Credit Risk Management: Risk management culture, diversified portfolio, centralized underwriting, conservative culture, internal loan review", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.257181+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 26, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "ab490bff-bfc0-4a58-b6d6-d90310291c57", "evidence": "table/data: Reconciliation table of net income to adjusted net income and ROAA", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.365468+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 28, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "8aa174e0-bea2-446b-b62a-1bd1dcc79d87", "evidence": "table/data: Financial reconciliation table for ROATCE and adjusted return metrics", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.439348+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 29, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "3d64ddc1-80f4-40b7-92e9-426314a368b5", "evidence": "table/data: Annual and quarterly financial data for net interest income and margin", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.509095+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 30, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "180c46aa-f56f-42a9-bb68-4b09f774e474", "evidence": "table/data: Financial reconciliation table for Efficiency Ratio (tax-equivalent basis) across 2020, 2021, 2022, and 1H23.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.578298+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 31, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "8f229d09-1249-4403-bbb3-bf2f25e0c2be", "evidence": "table/data: Tangible book value per share and cumulative effect of dividends (2007 to 3Q19)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.647172+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 32, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "f2b22ac4-4c5c-4330-a924-b586b5c5e336", "evidence": "table/data: Tangible book value per share (IPO adjusted 3Q19 to 2Q23) table", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.71648+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 33, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "067c1494-0015-4c8e-8f2c-a70d6fdb8a93", "evidence": "table/data: Tangible common equity to tangible assets reconciliation table", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.785453+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 34, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [ { "matchId": "703ba711-3d75-4340-91ff-0d662bc9d6bc", "evidence": "The 2Q23 NIM Analysis chart is a classic waterfall bridge showing the components of change between two periods.", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:44:16.824+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "frameworkName": "waterfall-bridge" }, { "matchId": "645b044f-1837-4d81-8b09-108802034c6e", "evidence": "Chronological representation of corporate history", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:44:11.362+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 15, "frameworkName": "timeline" }, { "matchId": "415abcd3-22d9-4bed-984b-fdf38db2b316", "evidence": "Geographic distribution of branch locations", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:44:11.456+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 16, "frameworkName": "map-spatial" }, { "matchId": "e0eff733-9eb5-42ba-96d2-b91b982e83aa", "evidence": "Horizontal arrow flow representing strategic pillars", "framework": null, "confidence": 0.9, "extraction": { "at": "2026-05-02 15:31:07.752+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "frameworkName": "process" }, { "matchId": "0eaee467-2353-44a5-90d2-2db9f20c5212", "evidence": "Numbered list of key investment highlights", "framework": null, "confidence": 0.9, "extraction": { "at": "2026-05-02 11:44:14.086+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 20, "frameworkName": "list-presentation" }, { "matchId": "8397dabb-c173-463e-8bdd-06b14dd2ec9c", "evidence": "Direct comparison of HBT metrics against a defined peer group", "framework": null, "confidence": 0.9, "extraction": { "at": "2026-05-02 11:44:13.024+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 23, "frameworkName": "comparison_frame" }, { "matchId": "c5786b37-b54f-4b3a-884e-b481494f11e0", "evidence": "Chronological representation of acquisition events", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:44:14.912+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 25, "frameworkName": "timeline" }, { "matchId": "360e8c3c-9013-449b-994c-eb12c2cae1ef", "evidence": "ERM program embodies the 'three lines of defense' model", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:44:15.037+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 26, "frameworkName": "three-lines-of-defense" } ], "patterns": [] }, "storymakers": null, "score": null, "review": null, "activistThesis": null, "pitchdeck": { "metadata": null, "profile": null }, "slides": [ { "page": 1, "type": "setup", "function": "front_matter", "imagePath": "https://imgproxy.kitesheet.com/9FXP3mQJQNMUtyvS80CoVDudy3WQkPuKizDW2WjtMng/rs:fit:1200:1200:0/q:82/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9lMTZjMjRiMTA1ZGE4MDhjM2RlN2RkY2RhYzgzNjFkNi9wMDAxLmpwZw", "rawType": "cover", "block": null, "metadata": { "slideType": "cover", "slideTypeCanon": { "name": "Cover", "slug": "cover", "status": "active", "canonId": "019de52d-05f2-729d-9f93-e0504f0a2410", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "sparse", "densityScore": 23, "componentCount": 4, "textChars": 101, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:09.597+00", "seconds": 2.535, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/1", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-1", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 1, "w": 0.5, "x": 0.5, "y": 0 }, "kind": "image", "text": "Collage of lifestyle and business imagery", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Photo", "slug": "photo", "status": "active", "canonId": "019de52c-fd37-757f-b4a8-ca26d4888875", "version": 1, "description": null }, "framework": null }, "subkind": "photo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:09.597+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "305a0699-b8e5-4aa7-a1ce-ed3d8f0e2786", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.45, "x": 0.05, "y": 0.38 }, "kind": "title", "text": "HBT Financial, Inc.", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:09.597+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ff46beca-0986-4593-b547-dd9867a84527", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.2, "x": 0.05, "y": 0.51 }, "kind": "title", "text": "July 24, 2023", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "019de52c-fb09-739d-900c-815b0d9ac526", "version": 1, "description": null }, "framework": null }, "subkind": "subtitle", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:09.597+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c2430fcf-1148-4943-a6f7-f64bc97738f8", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.35, "x": 0.05, "y": 0.59 }, "kind": "title", "text": "Q2 2023 Results Presentation", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "019de52c-fb09-739d-900c-815b0d9ac526", "version": 1, "description": null }, "framework": null }, "subkind": "subtitle", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:09.597+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e90ea283-9aa9-4b66-bdbe-a1f4e38e3993", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "thumbSrc": "https://imgproxy.kitesheet.com/vpHdTcxqEGfmGrm9AAMEcFDgBUcgSdLJ8yzZU0ani44/rs:fit:480:480:0/q:78/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9lMTZjMjRiMTA1ZGE4MDhjM2RlN2RkY2RhYzgzNjFkNi9wMDAxLmpwZw", "imagePathAlt": "https://imgproxy.kitesheet.com/11o1L8uVPyNBzYtyVoveFnDGfIwYUXrG9l2EvNFRNk0/rs:fit:1200:1200:0/q:82/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9lMTZjMjRiMTA1ZGE4MDhjM2RlN2RkY2RhYzgzNjFkNi9wMDAxLnBuZw", "thumbSrcAlt": "https://imgproxy.kitesheet.com/vMIUdaEFwJLNyCejys5r8nZrl-Tbh6V-fgh4Owlr3Sc/rs:fit:480:480:0/q:78/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9lMTZjMjRiMTA1ZGE4MDhjM2RlN2RkY2RhYzgzNjFkNi9wMDAxLnBuZw" }, { "page": 2, "type": "setup", "function": "other", "rawType": "disclaimer", "block": null, "metadata": { "slideType": "disclaimer", "slideTypeCanon": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "019de52d-0801-727b-b98a-5ed095aeee78", "version": 1, "description": null }, "function": "other", "functionCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-15e1-75bc-99dc-07732380e2ce", "version": 1, "description": null }, "density": "dense", "densityScore": 53, "componentCount": 4, "textChars": 863, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:09.967+00", "seconds": 2.8, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/2", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-2", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.08, "w": 0.84, "x": 0.08, "y": 0.69 }, "kind": "disclaimer", "text": "This presentation includes certain non-GAAP financial measures. While the Company believes these are useful measures for investors, they are not presented in accordance with GAAP. You should not consider non-GAAP measures in isolation or as a substitute for the most directly comparable or other financial measures calculated in accordance with GAAP.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:09.967+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "69b7fa98-f082-44df-b6ee-42f1c6bb81a6", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.84, "x": 0.08, "y": 0.24 }, "kind": "disclaimer", "text": "Readers should note that in addition to the historical information contained herein, this presentation contains, and future oral and written statements of HBT Financial, Inc. (the “Company” or “HBT”) and its management may contain, “forward-looking statements” within the meanings of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:09.967+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7fd438d3-e5f6-46a0-8475-41a878f7628e", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.29, "x": 0.08, "y": 0.66 }, "kind": "title", "text": "Non-GAAP Financial Measures", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:09.967+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0bfb2382-f8d9-4ab8-8290-7fcdff2aa130", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.28, "x": 0.08, "y": 0.208 }, "kind": "title", "text": "Forward-Looking Statements", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:09.967+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "39622e03-5da8-4748-bf2d-6df636883375", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 3, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 73, "componentCount": 5, "textChars": 1357, "nDataPoints": 14, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:10.331+00", "seconds": 3.16, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/3", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-3", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.736, "x": 0.132, "y": 0.908 }, "kind": "disclaimer", "text": "1 See \"Non-GAAP reconciliations\" in the Appendix for reconciliation of non-GAAP financial measures to their most closely comparable GAAP financial measures", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.331+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0b71db1c-bba3-48e0-ae26-7b4177c50ed5", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.85, "x": 0.074, "y": 0.195 }, "kind": "list", "text": "Strong profitability: Net income of $18.5 million, or $0.58 per diluted share; return on average assets (ROAA) of 1.49% and return on average tangible common equity (ROATCE) of 19.91%. Adjusted net income of $18.8 million, or $0.58 per diluted share; adjusted ROAA of 1.51% and adjusted ROATCE of 20.23%.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.331+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "55b35e51-6911-4dee-9654-1cac7a00fc47", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.85, "x": 0.074, "y": 0.45 }, "kind": "list", "text": "Diversified deposit base and excellent asset quality: Maintained a strong net interest margin of 4.16% and a net interest margin (tax equivalent basis) of 4.22%, both down only 4 basis points compared to Q1 2023. Cost of funds increased 24 basis points, to 0.71%, and total cost of deposits increased 17 basis points, to 0.41%, while average yield on earning assets increased by 19 basis points, to 4.83%. Maintained excellent asset quality with the ratio of nonperforming assets to total assets of 0.21% and net recoveries to average loans of (0.01)%. Total loans increased $49.1 million, or 1.5%, compared to Q1 2023.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.331+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "71878818-b230-485c-92d5-d761df7d0b96", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.85, "x": 0.074, "y": 0.705 }, "kind": "list", "text": "M&A continues to contribute to value of HBT franchise: Full impact of addition of Town and Country operations reflected in Q2 2023 results. Successfully completed core system conversion in April 2023. Substantially all cost saves realized beginning in May 2023.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.331+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e9607d1b-2994-4c68-93e0-f1b49b421b11", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.296, "x": 0.074, "y": 0.085 }, "kind": "title", "text": "Q2 2023 Highlights", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.331+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bfa0342d-ed9e-4437-bb23-f87bb95a3c84", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "8ad62fbb-17b0-4f0e-9830-8426010939a9", "evidence": "list/bullet: Diversified deposit base and excellent asset quality: Maintained a strong net interest margin of 4.16% and a net interest margin (tax equivalent basis) of 4.22%, both down only 4 basis points compared to Q1", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 03:38:30.401593+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 3, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 4, "type": "analysis", "title": "Includes a mix of balance sheet, performance, and credit quality metrics.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 81, "componentCount": 6, "textChars": 871, "nDataPoints": 72, "notes": "Includes a mix of balance sheet, performance, and credit quality metrics.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:13.679+00", "seconds": 6.465, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/4", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-4", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.25, "w": 0.2, "x": 0.07, "y": 0.53 }, "kind": "chart", "text": "Loan composition", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Donut chart", "slug": "donut", "status": "active", "canonId": "019de52d-0006-752c-9528-0fef476b8004", "version": 1, "description": null }, "framework": null }, "subkind": "donut", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.679+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5c9106d0-1269-4693-b015-3ca2f578e8e3", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.2, "x": 0.28, "y": 0.53 }, "kind": "chart", "text": "Deposit composition", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Donut chart", "slug": "donut", "status": "active", "canonId": "019de52d-0006-752c-9528-0fef476b8004", "version": 1, "description": null }, "framework": null }, "subkind": "donut", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.679+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9cf18416-54e0-4119-add6-6060544650c5", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.84, "x": 0.12, "y": 0.86 }, "kind": "disclaimer", "text": "Note: Financial data as of and for the three months ended June 30, 2023 unless otherwise indicated; * Annualized measure; 1 Non-GAAP financial measure. See “Non-GAAP Reconciliations” in the Appendix for reconciliation of non-GAAP financial measures to their most closely comparable GAAP financial measures.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.679+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "64a95fe3-eda7-4fb3-9616-deade13b7926", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.43, "x": 0.07, "y": 0.17 }, "kind": "list", "text": "Company incorporated in 1982 from base of family-owned banks and completed its IPO in October 2019. Headquartered in Bloomington, Illinois, with operations throughout Illinois and Eastern Iowa. Strong, granular, and low-cost deposit franchise with 41bps cost of deposits, 97% core deposits. Conservative credit culture, with net recoveries to average loans of 8bps for the year ended December 31, 2022 and 1bp for 6 months ended June 30, 2023. High profitability sustained through cycles.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.679+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0cc7baa8-53bb-4020-ad53-257b39c05d27", "parentComponentId": null }, { "bbox": { "h": 0.7, "w": 0.45, "x": 0.51, "y": 0.14 }, "kind": "table", "text": "Financial highlights ($mm)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "KPI table", "slug": "kpi", "status": "active", "canonId": "019de52d-0324-7799-a84e-d0885a8ad400", "version": 1, "description": null }, "framework": null }, "subkind": "kpi", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.679+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d79f7789-7948-4b02-ba8d-328110c520fe", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.25, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Company Snapshot", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.679+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0b912323-703a-430d-8dbd-db41a1f018aa", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 5, "type": "analysis", "title": "The slide includes a waterfall chart showing the drivers of NIM change.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 65, "componentCount": 5, "textChars": 508, "nDataPoints": 25, "notes": "The slide includes a waterfall chart showing the drivers of NIM change.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:16.824+00", "seconds": 9.537, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/5", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-5", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.32, "w": 0.53, "x": 0.07, "y": 0.58 }, "kind": "chart", "text": "2Q23 NIM Analysis waterfall chart", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Waterfall bridge / value bridge", "slug": "waterfall-bridge", "status": "active", "canonId": "019de52d-0055-7469-ba67-a7f7a327dec1", "version": 1, "description": null }, "framework": null }, "subkind": "waterfall-bridge", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.824+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1cf5c928-da7c-45d1-935e-9997289c8aef", "parentComponentId": null }, { "bbox": { "h": 0.55, "w": 0.36, "x": 0.57, "y": 0.155 }, "kind": "list", "text": "Highlights Relative to Previous Quarter", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.824+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0cb6f5b3-295f-4985-a76d-be75efd1dbb7", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.79, "x": 0.14, "y": 0.91 }, "kind": "source-note", "text": "Annualized measures; Non-GAAP financial measure. See “Non-GAAP Reconciliations” in the Appendix for reconciliation of non-GAAP financial measures to their most closely comparable GAAP financial measures; Reflects contribution of loan interest income to net interest margin, excluding loan discount accretion and nonaccrual interest recoveries.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.824+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e3792449-1ac0-4d72-8d81-2761bab016af", "parentComponentId": null }, { "bbox": { "h": 0.42, "w": 0.47, "x": 0.07, "y": 0.155 }, "kind": "table", "text": "Income statement table showing 2Q23 GAAP, adjustments, and adjusted figures.", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.824+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a0774025-c402-4155-9eca-0d8dff8992fb", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.29, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Earnings Overview", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.824+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "48106939-4b52-4942-9baf-fceac3ad6ede", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "e4d50404-07a9-45b2-b9e8-a3bf0fd089b1", "evidence": "table/data: Income statement table showing 2Q23 GAAP, adjustments, and adjusted figures.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 03:38:30.518662+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "8ebdb0cb-83c8-4995-9a55-cf09685adeeb", "evidence": "chart/waterfall-bridge: 2Q23 NIM Analysis waterfall chart", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 03:38:30.55752+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [ { "matchId": "703ba711-3d75-4340-91ff-0d662bc9d6bc", "evidence": "The 2Q23 NIM Analysis chart is a classic waterfall bridge showing the components of change between two periods.", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:44:16.824+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "frameworkName": "waterfall-bridge" } ], "arcBeats": [], "loops": [], "locked": true }, { "page": 6, "type": "analysis", "title": "The slide compares internal deposit costs against the Fed Funds Rate to demonstrate deposit beta.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 72, "componentCount": 5, "textChars": 940, "nDataPoints": 24, "notes": "The slide compares internal deposit costs against the Fed Funds Rate to demonstrate deposit beta.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:10.934+00", "seconds": 3.57, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/6", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-6", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.3, "w": 0.56, "x": 0.22, "y": 0.52 }, "kind": "chart", "text": "Deposit beta (4Q21 to 2Q23): 6.9%. Line chart showing Fed Funds Rate vs Cost of Deposits over time.", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Line chart", "slug": "line", "status": "active", "canonId": "019de52c-ff62-778f-8f6c-a952ceae8677", "version": 1, "description": null }, "framework": null }, "subkind": "line", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.934+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fa34a58f-0df0-4855-a614-8865f2a5e702", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.42, "x": 0.07, "y": 0.21 }, "kind": "list", "text": "Highly granular deposit base with cost increases in line with expectations during the second quarter of 2023. Top 100 depositors, by balance, make up 13% of our deposit base, and the top 200 depositors make up 16%. Account balances consist of 67% retail, 23% business, and 10% public funds as of June 30, 2023. Uninsured and uncollateralized deposits estimated to be $535 million, or 13% of total deposits, as of June 30, 2023", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.934+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e4a2a3df-dbd8-4947-8c26-bc53821f98b6", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.75, "x": 0.14, "y": 0.89 }, "kind": "source-note", "text": "Source: St. Louis FRED. * Annualized measure; 1 Represents quarterly average of federal funds target rate upper limit; 2 Weighted average spot interest rates do not include impact of purchase accounting adjustment amortization", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.934+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f5c6365a-7cb3-4275-ab66-e11f95933a58", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.42, "x": 0.51, "y": 0.18 }, "kind": "table", "text": "Interest-bearing demand, Money market, Savings, Time, Total interest-bearing deposits, Total deposits with corresponding Interest Costs 2Q23 and Spot Interest Rates 6/30/23", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.934+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bf917e1f-9b25-4e76-a1cd-be6570f1ed83", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.29, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Deposits Overview", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.934+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7b3f65ae-5020-42a9-a200-c89fb11a1ab2", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "32ccf01b-8017-4800-87db-35cb8a30191a", "evidence": "table/data: Interest-bearing demand, Money market, Savings, Time, Total interest-bearing deposits, Total deposits with corresponding Interest Costs 2Q23 and Spot Interest Rates 6/30/23", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 03:38:30.638327+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 6, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 7, "type": "analysis", "title": "Includes non-GAAP reconciliations for loan discounts and PPP fees.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 78, "componentCount": 6, "textChars": 668, "nDataPoints": 35, "notes": "Includes non-GAAP reconciliations for loan discounts and PPP fees.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:10.862+00", "seconds": 3.44, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/7", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-7", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.3, "w": 0.42, "x": 0.075, "y": 0.4 }, "kind": "chart", "text": "Annual Net Interest Margin", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.862+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5bc90907-6e90-4a61-855b-2df27f24f03b", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.42, "x": 0.515, "y": 0.4 }, "kind": "chart", "text": "Quarterly Net Interest Margin", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.862+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "78f5dd9e-49db-41c1-87a5-a79527202f99", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.42, "x": 0.515, "y": 0.135 }, "kind": "chart", "text": "Percentage of Loans Maturing or Repricing", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.862+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3e5bfb51-affb-495a-b6f0-78e4232cf904", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.9, "x": 0.07, "y": 0.88 }, "kind": "disclaimer", "text": "* Annualized measure; 1 Tax-equivalent basis metric; see \"Non-GAAP reconciliations\" in the Appendix for reconciliation of non-GAAP financial measures to their most closely comparable GAAP financial measures.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.862+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e67f9338-d947-4578-8b7a-aa192413bd53", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.4, "x": 0.07, "y": 0.13 }, "kind": "list", "text": "Second quarter 2023 net interest margin decreased 4 basis points from the prior quarter, primarily attributable to higher funding costs which outpaced an increase in asset yields. 37% of the loan portfolio matures or reprices within the next 12 months. Loan mix is 64% fixed rate and 36% variable rate, and 70% of variable rate loans have floors.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.862+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "23c2e6c1-033f-4e09-a442-4f99da5aefde", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.25, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Net Interest Margin", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.862+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7c265c16-3dd3-432c-95f5-8ea2c57cbdd0", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 8, "type": "analysis", "title": "Includes two pie charts showing industry concentration for each portfolio segment.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 68, "componentCount": 6, "textChars": 402, "nDataPoints": 24, "notes": "Includes two pie charts showing industry concentration for each portfolio segment.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:10.578+00", "seconds": 3.05, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/8", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-8", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.4, "w": 0.4, "x": 0.07, "y": 0.0045 }, "kind": "chart", "text": "Commercial Loan Portfolio by Industry", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Pie chart", "slug": "pie", "status": "active", "canonId": "019de52c-ffdb-71bb-a800-5c5ab9f1c373", "version": 1, "description": null }, "framework": null }, "subkind": "pie", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.578+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5b91ae11-cd6a-47e0-aad7-e976460b64b8", "parentComponentId": null }, { "bbox": { "h": 0.4, "w": 0.4, "x": 0.53, "y": 0.0045 }, "kind": "chart", "text": "Commercial Real Estate Portfolio by Property Type", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Pie chart", "slug": "pie", "status": "active", "canonId": "019de52c-ffdb-71bb-a800-5c5ab9f1c373", "version": 1, "description": null }, "framework": null }, "subkind": "pie", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.578+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "67e8c4ca-b386-493a-af04-6c338c86a1f9", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.4, "x": 0.07, "y": 0.00145 }, "kind": "list", "text": "Commercial Loan Portfolio: $386 million C&I loans; $304 million owner-occupied CRE.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.578+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4e5c7ede-5cd4-47f0-9403-61bc18c5c21f", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.4, "x": 0.53, "y": 0.00145 }, "kind": "list", "text": "Commercial Real Estate Portfolio: $1.59 billion total; breakdown of non-owner occupied, construction, and multi-family.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.578+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "776b471d-3503-4912-b95e-d9adc77b3e41", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.2, "x": 0.15, "y": 0.96 }, "kind": "source-note", "text": "1 Market area defined as within 60 miles of a branch", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.578+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a5367d9e-fa95-49a7-a000-f2a4dd665db6", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.85, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Loan Portfolio Overview: Commercial and Commercial Real Estate", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:10.578+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "44f2e779-f4d8-4563-b25d-235ef31d2421", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 9, "type": "analysis", "title": "The slide uses a split-column layout to compare two distinct portfolio segments.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 58, "componentCount": 5, "textChars": 369, "nDataPoints": 18, "notes": "The slide uses a split-column layout to compare two distinct portfolio segments.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:11.071+00", "seconds": 3.167, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/9", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-9", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.35, "w": 0.32, "x": 0.13, "y": 0.55 }, "kind": "chart", "text": "Agriculture and Farmland portfolio composition by asset type.", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Pie chart", "slug": "pie", "status": "active", "canonId": "019de52c-ffdb-71bb-a800-5c5ab9f1c373", "version": 1, "description": null }, "framework": null }, "subkind": "pie", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.071+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "128ec364-3fe4-42f2-98d9-d41088d866d9", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.32, "x": 0.6, "y": 0.55 }, "kind": "chart", "text": "Municipal, Consumer and Other portfolio composition by segment.", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Pie chart", "slug": "pie", "status": "active", "canonId": "019de52c-ffdb-71bb-a800-5c5ab9f1c373", "version": 1, "description": null }, "framework": null }, "subkind": "pie", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.071+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "241a1133-33da-4c56-8a8e-97da3ce76296", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.42, "x": 0.54, "y": 0.18 }, "kind": "list", "text": "Municipal, Consumer and Other portfolio details including sub-segments like Senior Living and Medical.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.071+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "31a2c2df-d975-43d5-b7f7-a33076dc7e24", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.42, "x": 0.08, "y": 0.18 }, "kind": "list", "text": "Agriculture and Farmland portfolio details including LTV, substandard ratings, and borrower tenure.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.071+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d316f0ce-0f30-4d18-8443-ea34befb2c4c", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.52, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Loan Portfolio Overview: Selected Portfolios", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.071+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ea965a72-50e2-4930-930e-dadad696df15", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "5516b874-1958-478d-91c8-7af54bc6678b", "evidence": "list/bullet: Municipal, Consumer and Other portfolio details including sub-segments like Senior Living and Medical.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 03:38:27.103021+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 9, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 10, "type": "analysis", "title": "The waterfall chart shows the bridge from 1Q23 ACL to 2Q23 ACL.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 58, "componentCount": 5, "textChars": 365, "nDataPoints": 24, "notes": "The waterfall chart shows the bridge from 1Q23 ACL to 2Q23 ACL.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:11.15+00", "seconds": 3.246, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/10", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-10", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.25, "w": 0.85, "x": 0.07, "y": 0.15 }, "kind": "chart", "text": "2Q23 ACL Activity ($000)", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Waterfall bridge / value bridge", "slug": "waterfall-bridge", "status": "active", "canonId": "019de52d-0055-7469-ba67-a7f7a327dec1", "version": 1, "description": null }, "framework": null }, "subkind": "waterfall-bridge", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.15+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7682557d-d114-41b7-9893-e35430daa685", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.45, "x": 0.07, "y": 0.46 }, "kind": "list", "text": "CECL Methodology and Oversight: Discounted cash flow method, regression analysis, 1.17% ACL/Loans, Committee oversight.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.15+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "92058949-adee-4977-a2b3-ad060243243a", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.45, "x": 0.07, "y": 0.74 }, "kind": "list", "text": "ACL on Unfunded Commitments and Debt Securities: Increases in commitments and AFS debt securities.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.15+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "97481a89-46d1-4e2a-a404-7eddf6b3a4ca", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.38, "x": 0.55, "y": 0.55 }, "kind": "table", "text": "Watch List and Nonaccrual Loans ($000) comparison between 6/30/23 and 3/31/23.", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.15+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c7048971-c42f-4f4c-bd4e-7f86187308d5", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.5, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Loan Portfolio Overview: ACL and Asset Quality", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.15+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2130fa58-4a7c-4247-8b86-0d879b28e316", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "25131887-1bef-4648-8978-658c20da05ee", "evidence": "chart/waterfall-bridge: 2Q23 ACL Activity ($000)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 03:38:27.16999+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 10, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 11, "type": "analysis", "title": "The chart displays revenue in $mm across four segments: Asset Management and Trust Services, Farm Management, Real Estate Brokerage, and Investment Brokerage.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 59, "componentCount": 5, "textChars": 390, "nDataPoints": 20, "notes": "The chart displays revenue in $mm across four segments: Asset Management and Trust Services, Farm Management, Real Estate Brokerage, and Investment Brokerage.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:11.079+00", "seconds": 2.862, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/11", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-11", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.55, "w": 0.82, "x": 0.09, "y": 0.31 }, "kind": "chart", "text": "Wealth Management Revenue Trends ($mm)", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Stacked bar chart", "slug": "bar-stacked", "status": "active", "canonId": "019de52c-feec-74bf-9028-15b74f84f0a7", "version": 1, "description": null }, "framework": null }, "subkind": "bar-stacked", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.079+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e6298fd1-498b-436a-b977-c263201447e2", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.35, "x": 0.09, "y": 0.16 }, "kind": "list", "text": "Comprehensive Wealth Management Services: Proprietary investment management solutions, Financial planning, Trust and estate administration", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.079+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4c1c6f2c-cf54-4d29-92cd-d07fe034ec95", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.35, "x": 0.52, "y": 0.16 }, "kind": "list", "text": "Agricultural Services: Farm management services (77,000 acres), Real estate brokerage, Farmland appraisals", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.079+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cacc8057-4a32-4344-9280-47a7962a85e8", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.5, "x": 0.25, "y": 0.35 }, "kind": "source-note", "text": "Over $2.3 billion of assets under management or administration as of June 30, 2023", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.079+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d3aa693a-60c7-4f0d-a9de-a7cf7f64498e", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.4, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Wealth Management Overview", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.079+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a1bf5331-d6a4-4207-978b-8c3ad7b62cf5", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "9c83070e-a15d-40aa-a2d4-088ae050aafd", "evidence": "list/bullet: Comprehensive Wealth Management Services: Proprietary investment management solutions, Financial planning, Trust and estate administration", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 00:27:32.223998+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 11, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 12, "type": "analysis", "title": "Financial data as of June 30, 2023.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 67, "componentCount": 5, "textChars": 584, "nDataPoints": 35, "notes": "Financial data as of June 30, 2023.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:14.002+00", "seconds": 5.68, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/12", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-12", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.45, "w": 0.42, "x": 0.51, "y": 0.43 }, "kind": "chart", "text": "Portfolio Composition pie chart showing breakdown by asset class and associated book yields.", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Pie chart", "slug": "pie", "status": "active", "canonId": "019de52c-ffdb-71bb-a800-5c5ab9f1c373", "version": 1, "description": null }, "framework": null }, "subkind": "pie", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.002+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7dcbdb60-3f36-42bb-92f0-070eadf90c86", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.4, "x": 0.07, "y": 0.19 }, "kind": "list", "text": "Company's debt securities consist primarily of the following types of fixed income instruments: Agency guaranteed MBS, Municipal Bonds, Treasury/Gov Agency/SBA-backed, Corporate Bonds. Strategy focused on maximizing returns and managing asset sensitivity.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.002+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9d874cd2-3cf2-4a5e-92cc-4b51a25c81e7", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.2, "x": 0.64, "y": 0.84 }, "kind": "metric", "text": "Amortized Cost: $1,447mm; Book Yield: 2.27%", "attrs": null, "canon": { "kind": { "name": "Metric", "slug": "metric", "status": "active", "canonId": "019de52c-f923-73bf-8081-d0b1a8c5264d", "version": 1, "description": "Big-number or KPI value." }, "tool": null, "subkind": { "name": "Big number", "slug": "big-number", "status": "active", "canonId": "019de52c-fc70-70c8-b965-0584548a9204", "version": 1, "description": null }, "framework": null }, "subkind": "big-number", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.002+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b7febcbe-2dbe-4a47-85d1-7c873899439a", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.42, "x": 0.51, "y": 0.15 }, "kind": "table", "text": "Key investment portfolio metrics table comparing AFS and HTM securities across amortized cost, unrealized gain/loss, allowance, fair value, book yield, and duration.", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.002+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6c1a5799-fba1-49b2-b52b-95745bc55b18", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.4, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Securities Portfolio Overview", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.002+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c3f8ded3-70e8-4621-af9e-d87557d083f1", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "01e31e61-b57f-46f7-9d98-e621d7d25380", "evidence": "table/data: Key investment portfolio metrics table comparing AFS and HTM securities across amortized cost, unrealized gain/loss, allowance, fair value, book yield, and duration.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 00:27:32.294942+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 12, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 13, "type": "analysis", "title": "Includes two bar charts showing historical trends and a table detailing liquidity sources as of 6/30/23.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 68, "componentCount": 6, "textChars": 417, "nDataPoints": 15, "notes": "Includes two bar charts showing historical trends and a table detailing liquidity sources as of 6/30/23.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:11.465+00", "seconds": 3.136, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/13", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-13", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.3, "w": 0.4, "x": 0.07, "y": 0.14 }, "kind": "chart", "text": "CET 1 Risk-based Capital Ratio (%)", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.465+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5ac84ea7-36a1-4fa6-969f-2c8167f3f883", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.4, "x": 0.07, "y": 0.53 }, "kind": "chart", "text": "Tangible Common Equity to Tangible Assets (%)", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.465+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b0562ebd-a800-4168-ae78-9ada30637b9f", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.8, "x": 0.14, "y": 0.9 }, "kind": "disclaimer", "text": "Non-GAAP financial measure. See “Non-GAAP Reconciliations” in the Appendix for reconciliation of non-GAAP financial measures to their most closely comparable GAAP financial measures.; 2 Represents FHLB advance capacity based on loans currently pledged.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.465+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9ea594b3-31f2-48f8-82d2-f252485899c5", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.45, "x": 0.5, "y": 0.14 }, "kind": "list", "text": "Capital and Liquidity Highlights", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.465+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3f73c461-bd8d-48ab-9ce2-6df5069467ae", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.45, "x": 0.5, "y": 0.53 }, "kind": "table", "text": "Liquidity Sources ($000)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.465+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5309b6a9-8fab-4709-9f8a-14d4eaa57d77", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.4, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Capital and Liquidity Overview", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.465+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5ef9aa00-bb86-4760-8d96-a34a4086d064", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "31b3a45c-e0aa-445f-a7da-77fa40d545c4", "evidence": "table/data: Liquidity Sources ($000)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 00:27:32.365801+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 13, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 14, "type": "resolution", "function": "summarize", "rawType": "key_takeaways", "block": null, "metadata": { "slideType": "key_takeaways", "slideTypeCanon": { "name": "Key takeaways", "slug": "key_takeaways", "status": "active", "canonId": "019de52d-06e7-7674-a891-9f7de3b11b6d", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "balanced", "densityScore": 46, "componentCount": 2, "textChars": 1466, "nDataPoints": 4, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:15.917+00", "seconds": 7.302, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/14", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-14", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.685, "w": 0.926, "x": 0.074, "y": 0.168 }, "kind": "list", "text": "Completed Town and Country core conversion and substantially all cost savings have been fully realized as of May 2023\nLoan growth in mid-single digits on an annualized basis expected for remainder of 2023\nExcluding brokered deposits, deposits are up through July 20, 2023; however, we anticipate some further decrease during the remainder of 2023 as well as a mix shift towards higher cost products\nInvestment portfolio is expected to provide $25 million to $35 million of principal cash flows a quarter for the remainder of 2023 with proceeds used to fund loan growth and/or decrease FHLB borrowings\nNIM is expected to continue to decline modestly for the remainder of 2023 albeit at a higher rate than 2Q2023\nNoninterest income is expected to be marginally higher with seasonably higher mortgage income in 3Q2023\nNoninterest expense should stabilize between $30 million and $32 million\nThe legal settlement accrual and related attorney expenses in 2Q2023 will be nonrecurring\nAnnual merit increases were largely absorbed in 2Q2023\nAsset quality expected to remain solid although increasing unemployment and a declining economy, if any were to occur, could cause increased provisions\nStock repurchase program will continue to be used opportunistically with $9.3 million available under the current plan\nCurrent capital levels and stock valuation compared to peers support M&A but environment and valuation expectations currently present a challenge", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:15.917+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e1124f5b-4532-45a8-abba-c81accbae813", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.295, "x": 0.074, "y": 0.083 }, "kind": "title", "text": "Near-Term Outlook", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:15.917+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "349f6147-32f1-4789-94ae-59ed1ea0d5c4", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 15, "type": "setup", "title": "The timeline uses a split-level design to accommodate events occurring in close proximity.", "function": "establish_context", "rawType": "timeline", "block": null, "metadata": { "slideType": "timeline", "slideTypeCanon": { "name": "Timeline", "slug": "timeline", "status": "active", "canonId": "019de52d-0851-75eb-b758-ea2965e7739a", "version": 1, "description": null }, "function": "establish_context", "functionCanon": { "name": "Establish context", "slug": "establish_context", "status": "active", "canonId": "019de52d-1314-74e6-9074-d213dc0bdcdf", "version": 1, "description": null }, "density": "balanced", "densityScore": 30, "componentCount": 3, "textChars": 295, "nDataPoints": 1, "notes": "The timeline uses a split-level design to accommodate events occurring in close proximity.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:11.362+00", "seconds": 2.57, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/15", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-15", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.6, "w": 0.86, "x": 0.07, "y": 0.215 }, "kind": "diagram", "text": "Chronological timeline from 1920 to 2023", "attrs": null, "canon": { "kind": { "name": "Diagram", "slug": "diagram", "status": "active", "canonId": "019de52c-f9f0-734a-81de-15382ff28c65", "version": 1, "description": "Schematic or relational diagram." }, "tool": null, "subkind": { "name": "Timeline", "slug": "timeline", "status": "active", "canonId": "019de52d-03c5-73fc-84aa-4180cbf0f5cf", "version": 1, "description": null }, "framework": null }, "subkind": "timeline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.362+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a17e81ed-3354-49c9-b347-e798aeb1aa7a", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.86, "x": 0.07, "y": 0.89 }, "kind": "source-note", "text": "Although the Lincoln S.B. Corp transaction is identified as an acquisition above, the transaction was accounted for as a change of reporting entity due to its common control with the Company", "attrs": { "numbered": true }, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.362+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fa454605-e747-4cb8-b2d6-6d930d12f805", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.8, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Our History – Long track record of organic and acquisitive growth", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.362+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7269622b-f6d4-4be9-b946-3d4889569caf", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [ { "matchId": "645b044f-1837-4d81-8b09-108802034c6e", "evidence": "Chronological representation of corporate history", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:44:11.362+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 15, "frameworkName": "timeline" } ], "arcBeats": [], "loops": [], "locked": true }, { "page": 16, "type": "analysis", "title": "The slide uses a map-spatial framework to visualize branch density and donut charts to show regional financial distribution.", "function": "analyze_data", "rawType": "geographic_map", "block": null, "metadata": { "slideType": "geographic_map", "slideTypeCanon": { "name": "Geographic map", "slug": "geographic_map", "status": "active", "canonId": "019de52d-09de-7153-8845-584c1a9d0c83", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 56, "componentCount": 6, "textChars": 196, "nDataPoints": 15, "notes": "The slide uses a map-spatial framework to visualize branch density and donut charts to show regional financial distribution.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:11.456+00", "seconds": 2.562, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/16", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-16", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.2, "w": 0.25, "x": 0.633, "y": 0.415 }, "kind": "chart", "text": "Loans breakdown by region", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Donut chart", "slug": "donut", "status": "active", "canonId": "019de52d-0006-752c-9528-0fef476b8004", "version": 1, "description": null }, "framework": null }, "subkind": "donut", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.456+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5609d7e1-b27e-4a06-b46c-7d6ec0a27951", "parentComponentId": null }, { "bbox": { "h": 0.2, "w": 0.25, "x": 0.633, "y": 0.15 }, "kind": "chart", "text": "Deposits breakdown by region", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Donut chart", "slug": "donut", "status": "active", "canonId": "019de52d-0006-752c-9528-0fef476b8004", "version": 1, "description": null }, "framework": null }, "subkind": "donut", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.456+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8a1797bd-39b0-4031-b57f-2ce082abe6d7", "parentComponentId": null }, { "bbox": { "h": 0.2, "w": 0.25, "x": 0.633, "y": 0.68 }, "kind": "chart", "text": "Full-service branches breakdown by region", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Donut chart", "slug": "donut", "status": "active", "canonId": "019de52d-0006-752c-9528-0fef476b8004", "version": 1, "description": null }, "framework": null }, "subkind": "donut", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.456+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cbe7a34a-3497-4e9d-a94d-40b1fef0d839", "parentComponentId": null }, { "bbox": { "h": 0.515, "w": 0.525, "x": 0.074, "y": 0.175 }, "kind": "image", "text": "Full-service branch locations map", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Map", "slug": "map", "status": "active", "canonId": "019de52c-fe4d-77bd-b0a4-d72d58b9e5a4", "version": 1, "description": null }, "framework": null }, "subkind": "map", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.456+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "85b43196-dba7-4f2e-9728-2477af25894d", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.325, "x": 0.074, "y": 0.895 }, "kind": "source-note", "text": "Source: S&P Capital IQ; Financial data as of June 30, 2023", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.456+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4e8661aa-9e86-4a35-99a2-a31309f740ad", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.218, "x": 0.074, "y": 0.085 }, "kind": "title", "text": "Our Markets", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.456+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7ffab667-6ed4-4bca-891a-8a807d5d8844", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [ { "matchId": "415abcd3-22d9-4bed-984b-fdf38db2b316", "evidence": "Geographic distribution of branch locations", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:44:11.456+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 16, "frameworkName": "map-spatial" } ], "arcBeats": [], "loops": [], "locked": true }, { "page": 17, "type": "setup", "title": "Uses a horizontal process arrow diagram to structure the four strategic pillars.", "function": "present_framework", "rawType": "key_messages", "block": null, "metadata": { "slideType": "key_messages", "slideTypeCanon": { "name": "Key messages", "slug": "key_messages", "status": "active", "canonId": "019de52d-0712-703f-89f5-bda6688faf3f", "version": 1, "description": null }, "function": "present_framework", "functionCanon": { "name": "Present framework", "slug": "present_framework", "status": "active", "canonId": "019de52d-1403-7667-9100-d2ac6709f750", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 80, "componentCount": 8, "textChars": 496, "nDataPoints": 12, "notes": "Uses a horizontal process arrow diagram to structure the four strategic pillars.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 15:31:07.752+00", "seconds": 3.356, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/17", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-17", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.1, "w": 0.86, "x": 0.07, "y": 0.21 }, "kind": "diagram", "text": "Four-pillar strategic framework", "attrs": null, "canon": { "kind": { "name": "Diagram", "slug": "diagram", "status": "active", "canonId": "019de52c-f9f0-734a-81de-15382ff28c65", "version": 1, "description": "Schematic or relational diagram." }, "tool": null, "subkind": { "name": "Process flow", "slug": "process", "status": "active", "canonId": "019de52d-039c-718f-ad3a-efe9c4b3c838", "version": 1, "description": null }, "framework": null }, "subkind": "process", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 15:31:07.752+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "aaf6fe15-24d2-45de-8604-84b353a7a72f", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.86, "x": 0.07, "y": 0.86 }, "kind": "disclaimer", "text": "Source: S&P Capital IQ, data as of June 30, 2022; 2 Includes merger with Lincoln S.B. Corp in 2018... 4 Metrics presented on tax equivalent basis...", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 15:31:07.752+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fd4b0cac-2d93-4f3e-b9fd-4532fe2c272f", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.2, "x": 0.73, "y": 0.32 }, "kind": "list", "text": "Pillar 4: Pursue strategic acquisitions and sustain strong profitability", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 15:31:07.752+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6941a28e-603e-4dc5-a1f8-e2eeb51cf8ad", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.2, "x": 0.51, "y": 0.32 }, "kind": "list", "text": "Pillar 3: Maintain a prudent approach to credit underwriting", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 15:31:07.752+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "95cecca8-712c-46e6-8c4a-8a10b65b7529", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.2, "x": 0.07, "y": 0.32 }, "kind": "list", "text": "Pillar 1: Preserve strong ties to our communities", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 15:31:07.752+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d52a87d7-73c4-4cca-a0c9-9f1a90c8dad2", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.2, "x": 0.29, "y": 0.32 }, "kind": "list", "text": "Pillar 2: Deploy excess deposit funding into loan growth opportunities", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 15:31:07.752+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "efdfa9be-8da6-4570-9485-9ff2f4eba1ff", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.48, "x": 0.07, "y": 0.15 }, "kind": "title", "text": "Small enough to know you, big enough to serve you", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Action title", "slug": "action-title", "status": "active", "canonId": "019de52c-fb31-734c-a0f5-a3935b73135d", "version": 1, "description": null }, "framework": null }, "subkind": "action-title", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 15:31:07.752+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e394620f-78db-42c2-ba9f-5eedbd9f32ea", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.28, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Business Strategy", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 15:31:07.752+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a8f320ae-c627-456a-bc15-0767e472ac4c", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [ { "matchId": "e0eff733-9eb5-42ba-96d2-b91b982e83aa", "evidence": "Horizontal arrow flow representing strategic pillars", "framework": null, "confidence": 0.9, "extraction": { "at": "2026-05-02 15:31:07.752+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "frameworkName": "process" } ], "arcBeats": [], "loops": [], "locked": true }, { "page": 18, "type": "setup", "function": "other", "rawType": "team_bio", "block": null, "metadata": { "slideType": "team_bio", "slideTypeCanon": { "name": "Team bio", "slug": "team_bio", "status": "active", "canonId": "019de52d-0a7d-7394-ae5b-037478e71f1e", "version": 1, "description": null }, "function": "other", "functionCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-15e1-75bc-99dc-07732380e2ce", "version": 1, "description": null }, "density": "dense", "densityScore": 71, "componentCount": 9, "textChars": 270, "nDataPoints": 14, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:12.092+00", "seconds": 2.929, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/18", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-18", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.15, "w": 0.12, "x": 0.132, "y": 0.567 }, "kind": "image", "text": "Lawrence J. Horvath", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Headshot", "slug": "headshot", "status": "active", "canonId": "019de52c-fd5f-765c-9282-38b54f61bbbf", "version": 1, "description": null }, "framework": null }, "subkind": "headshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.092+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "15cec819-b071-4f80-b9ce-394570261d96", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.12, "x": 0.675, "y": 0.213 }, "kind": "image", "text": "Peter Chapman", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Headshot", "slug": "headshot", "status": "active", "canonId": "019de52c-fd5f-765c-9282-38b54f61bbbf", "version": 1, "description": null }, "framework": null }, "subkind": "headshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.092+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "38f4ed76-b515-4df5-b1e4-e4ad417a6648", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.12, "x": 0.567, "y": 0.567 }, "kind": "image", "text": "Mark W. Scheirer", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Headshot", "slug": "headshot", "status": "active", "canonId": "019de52c-fd5f-765c-9282-38b54f61bbbf", "version": 1, "description": null }, "framework": null }, "subkind": "headshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.092+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "51e64ce3-9644-488b-9aed-1fce553a5b23", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.12, "x": 0.236, "y": 0.213 }, "kind": "image", "text": "Fred L. Drake", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Headshot", "slug": "headshot", "status": "active", "canonId": "019de52c-fd5f-765c-9282-38b54f61bbbf", "version": 1, "description": null }, "framework": null }, "subkind": "headshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.092+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "588aeba7-bacd-4bd1-b30e-22341c8ce67f", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.12, "x": 0.358, "y": 0.567 }, "kind": "image", "text": "Diane H. Lanier", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Headshot", "slug": "headshot", "status": "active", "canonId": "019de52c-fd5f-765c-9282-38b54f61bbbf", "version": 1, "description": null }, "framework": null }, "subkind": "headshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.092+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5e53f73b-5c9e-43e9-b2a0-ca68e359aa9d", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.12, "x": 0.456, "y": 0.213 }, "kind": "image", "text": "J. Lance Carter", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Headshot", "slug": "headshot", "status": "active", "canonId": "019de52c-fd5f-765c-9282-38b54f61bbbf", "version": 1, "description": null }, "framework": null }, "subkind": "headshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.092+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "85820b6b-0676-4aba-bbee-c37f6a089c97", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.12, "x": 0.78, "y": 0.567 }, "kind": "image", "text": "Andrea E. Zurkamer", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Headshot", "slug": "headshot", "status": "active", "canonId": "019de52c-fd5f-765c-9282-38b54f61bbbf", "version": 1, "description": null }, "framework": null }, "subkind": "headshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.092+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "96318195-035f-45dc-8445-025cab3bda73", "parentComponentId": null }, { "bbox": { "h": 0.4, "w": 0.74, "x": 0.13, "y": 0.34 }, "kind": "paragraph", "text": "Executive leadership team details including name, title, years with company, and years in industry.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.092+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1772c8fe-318a-43e2-af2c-6c0162ae8645", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.85, "x": 0.075, "y": 0.08 }, "kind": "title", "text": "Experienced executive management team with deep community ties", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.092+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9f412bf0-680b-4fe5-82c9-8559461e15e7", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 19, "type": "setup", "function": "introduce_nominees", "rawType": "team_bio", "block": null, "metadata": { "slideType": "team_bio", "slideTypeCanon": { "name": "Team bio", "slug": "team_bio", "status": "active", "canonId": "019de52d-0a7d-7394-ae5b-037478e71f1e", "version": 1, "description": null }, "function": "introduce_nominees", "functionCanon": { "name": "Introduce nominees", "slug": "introduce_nominees", "status": "active", "canonId": "019de52d-1833-77fe-ac47-5f26d823a84a", "version": 1, "description": null }, "density": "balanced", "densityScore": 26, "componentCount": 3, "textChars": 174, "nDataPoints": 20, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:11.368+00", "seconds": 2.204, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/19", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-19", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.65, "w": 0.84, "x": 0.08, "y": 0.15 }, "kind": "image", "text": "9 headshots of board members", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Headshot", "slug": "headshot", "status": "active", "canonId": "019de52c-fd5f-765c-9282-38b54f61bbbf", "version": 1, "description": null }, "framework": null }, "subkind": "headshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.368+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e12fe2b7-d5e8-4cd6-afd5-52ce751952ac", "parentComponentId": null }, { "bbox": { "h": 0.6, "w": 0.84, "x": 0.08, "y": 0.3 }, "kind": "list", "text": "Biographical details for each director including tenure and experience", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.368+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "463cc39e-50e9-4241-8f8f-7239c87d1836", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.86, "x": 0.07, "y": 0.07 }, "kind": "title", "text": "Talented Board of Directors with deep financial services industry experience", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:11.368+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f9930917-b825-458d-8c3f-5045a66362d3", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 20, "type": "resolution", "function": "summarize", "rawType": "key_takeaways", "block": null, "metadata": { "slideType": "key_takeaways", "slideTypeCanon": { "name": "Key takeaways", "slug": "key_takeaways", "status": "active", "canonId": "019de52d-06e7-7674-a891-9f7de3b11b6d", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "balanced", "densityScore": 26, "componentCount": 3, "textChars": 292, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:14.086+00", "seconds": 4.624, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/20", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-20", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.16, "w": 0.24, "x": 0.082, "y": 0.445 }, "kind": "image", "text": "HBT Financial", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.086+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3ea51403-e34e-4e91-a63a-06262e622c51", "parentComponentId": null }, { "bbox": { "h": 0.53, "w": 0.55, "x": 0.369, "y": 0.237 }, "kind": "list", "text": "1. Consistent performance through cycles drives long-term tangible book value growth\n2. Strong, granular, low-cost deposit base provides funding for loan growth opportunities\n3. Track record of successfully integrating acquisitions\n4. Prudent risk management", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.086+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b47bfe86-568e-4e9f-ae82-55e86b4c48ba", "parentComponentId": null }, { "bbox": { "h": 0.033, "w": 0.223, "x": 0.074, "y": 0.083 }, "kind": "title", "text": "Investment Highlights", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.086+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "357ebf1b-a2f8-4f4c-9e65-ad0602f2ee31", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [ { "matchId": "0eaee467-2353-44a5-90d2-2db9f20c5212", "evidence": "Numbered list of key investment highlights", "framework": null, "confidence": 0.9, "extraction": { "at": "2026-05-02 11:44:14.086+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 20, "frameworkName": "list-presentation" } ], "arcBeats": [], "loops": [], "locked": true }, { "page": 21, "type": "resolution", "title": "The chart shows a clear outperformance of the company (solid line) compared to the peer median (light teal line) over the 16-year period.", "function": "summarize", "rawType": "key_takeaways", "block": null, "metadata": { "slideType": "key_takeaways", "slideTypeCanon": { "name": "Key takeaways", "slug": "key_takeaways", "status": "active", "canonId": "019de52d-06e7-7674-a891-9f7de3b11b6d", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 59, "componentCount": 5, "textChars": 365, "nDataPoints": 34, "notes": "The chart shows a clear outperformance of the company (solid line) compared to the peer median (light teal line) over the 16-year period.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:13.106+00", "seconds": 3.528, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/21", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-21", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.55, "x": 0.38, "y": 0.75 }, "kind": "callout", "text": "Consistent outperformance, even during periods of broad economic stress", "attrs": null, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.106+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "62707caf-0349-4135-b9f3-0ce95b9ecb99", "parentComponentId": null }, { "bbox": { "h": 0.55, "w": 0.55, "x": 0.38, "y": 0.18 }, "kind": "chart", "text": "Pre-tax return on average assets (%)", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Line chart", "slug": "line", "status": "active", "canonId": "019de52c-ff62-778f-8f6c-a952ceae8677", "version": 1, "description": null }, "framework": null }, "subkind": "line", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.106+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a63f8d01-ca9f-4c2e-bfee-efd2354ac7a9", "parentComponentId": null }, { "bbox": { "h": 0.5, "w": 0.3, "x": 0.08, "y": 0.23 }, "kind": "list", "text": "1. Strong, low-cost deposits... 2. Relationship-based business model... 3. A robust credit risk management framework... 4. Diversified sources of fee income...", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.106+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1aa48e15-1cc6-43d2-a34f-b350d81bf770", "parentComponentId": null }, { "bbox": { "h": 0.1, "w": 0.85, "x": 0.08, "y": 0.82 }, "kind": "source-note", "text": "Source: S&P Capital IQ as available on July 13, 2023; ...", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.106+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "aeeada3f-e4a7-4f4f-b2df-ec82a7ad1936", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.5, "x": 0.05, "y": 0.07 }, "kind": "title", "text": "Consistent performance through cycles. . .", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.106+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "03b5db85-0746-470a-8936-d508e3df79fe", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 22, "type": "analysis", "title": "Includes specific annotations regarding IPO dilution and AOCI impact on TBVPS.", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 71, "componentCount": 6, "textChars": 442, "nDataPoints": 32, "notes": "Includes specific annotations regarding IPO dilution and AOCI impact on TBVPS.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:12.678+00", "seconds": 3.037, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/22", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-22", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.11, "x": 0.805, "y": 0.515 }, "kind": "callout", "text": "Negative AOCI reduces TBVPS by $2.21 as of 2Q23", "attrs": null, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.678+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f3da3568-8c35-451c-9718-a948ad4656c2", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.2, "x": 0.71, "y": 0.16 }, "kind": "callout", "text": "Town and Country acquisition dilution in 1Q23 estimated to be $0.68 when including acquisition expenses", "attrs": null, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.678+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f55691e5-1d4f-4f9e-8e59-a2a27e1c9dbc", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.85, "x": 0.07, "y": 0.56 }, "kind": "chart", "text": "Cumulative effect of dividends paid ($ per share)", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.678+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "565c65a8-a43b-4109-9b12-13ac07143ae1", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.85, "x": 0.07, "y": 0.16 }, "kind": "chart", "text": "Tangible book value per share over time ($ per share)", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.678+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d537514a-5da3-44ad-91d3-e759341b412a", "parentComponentId": null }, { "bbox": { "h": 0.1, "w": 0.8, "x": 0.12, "y": 0.85 }, "kind": "source-note", "text": "For reconciliation with GAAP metric, see “Non-GAAP reconciliations” in Appendix; 2 In 2019, HBT Financial issued and sold 9,429,794 shares...", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.678+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "05b6a86e-eaf9-462f-8432-3bd4cfe63b56", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.5, "x": 0.06, "y": 0.08 }, "kind": "title", "text": ". . . drives long-term tangible book value growth", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.678+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f5de95ed-7d57-4659-9a44-eb8208998b8f", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 23, "type": "setup", "title": "The slide uses a dual-axis line chart to show the relationship between deposit costs and the Fed Funds Rate.", "function": "compare_peers", "rawType": "peer_benchmark", "block": null, "metadata": { "slideType": "peer_benchmark", "slideTypeCanon": { "name": "Peer benchmark", "slug": "peer_benchmark", "status": "active", "canonId": "019de52d-08f0-7158-a78d-d7b5331fefaf", "version": 1, "description": null }, "function": "compare_peers", "functionCanon": { "name": "Compare peers", "slug": "compare_peers", "status": "active", "canonId": "019de52d-1453-72ba-a367-9ba3d34c1630", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 82, "componentCount": 7, "textChars": 635, "nDataPoints": 20, "notes": "The slide uses a dual-axis line chart to show the relationship between deposit costs and the Fed Funds Rate.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:13.024+00", "seconds": 3.182, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/23", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-23", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.55, "x": 0.23, "y": 0.56 }, "kind": "callout", "text": "Deposit beta (4Q21 – 1Q23): HBT = 3.8%, High Performing Peers 1 = 22.1%", "attrs": null, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.024+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1fe0d980-6bf1-452e-b0bc-6688b37471ad", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.85, "x": 0.07, "y": 0.17 }, "kind": "chart", "text": "Bar chart comparing HBT vs High Performing Peers cost of deposits from 2017 to 1Q23", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Grouped bar chart", "slug": "bar-grouped", "status": "active", "canonId": "019de52c-ff3b-751e-a8ff-f21ff11097b1", "version": 1, "description": null }, "framework": null }, "subkind": "bar-grouped", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.024+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a2895ebc-fdb2-49f4-9339-fa6e3ee88db2", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.85, "x": 0.07, "y": 0.6 }, "kind": "chart", "text": "Line chart showing HBT and Peer deposit costs vs Fed Funds Rate", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Line chart", "slug": "line", "status": "active", "canonId": "019de52c-ff62-778f-8f6c-a952ceae8677", "version": 1, "description": null }, "framework": null }, "subkind": "line", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.024+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8fa773b8-e6ae-42ad-8410-de804d3ad8a3", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.7, "x": 0.07, "y": 0.51 }, "kind": "paragraph", "text": "With a lower deposit beta than peers since beginning of current interest rate tightening cycle", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.024+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "81174431-529a-4873-8144-6e46a4887e61", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.85, "x": 0.07, "y": 0.86 }, "kind": "source-note", "text": "Source: S&P Capital IQ as available on July 13, 2023; 1 Represents median of 35 high performing major exchange-traded banks headquartered in the Midwest with $2-10bn in assets and a 2022 core return on average assets above 1.0%", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.024+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2c489aa5-9c57-4603-bc52-bd789a880ed5", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.45, "x": 0.07, "y": 0.14 }, "kind": "title", "text": "Cost of deposits (%) remains consistently below peers", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Action title", "slug": "action-title", "status": "active", "canonId": "019de52c-fb31-734c-a0f5-a3935b73135d", "version": 1, "description": null }, "framework": null }, "subkind": "action-title", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.024+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "765bfb97-fbbb-49be-9335-35a4fd1373a9", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.5, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Strong, granular, low-cost deposit base. . .", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.024+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4e088367-26f3-4517-8646-820cc11b75fa", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "2x2 matrix", "slug": "matrix-2x2", "status": "active", "bestFor": null, "canonId": "019dd9e1-50ab-72d1-8afb-3ab0a38e32a8", "version": 1, "bodyDocId": null, "description": "BCG matrix, importance/urgency, any axes-and-quadrants frame.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "a090412b-f7ee-47f1-b519-b3f5a97ee9ee", "evidence": "not clear evidence, but could be considered in context of peer comparison", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.5, "extraction": { "at": "2026-07-17 00:27:32.08339+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 23, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Slide recipe: the peer-gap chart", "slug": "peer-gap-chart-recipe", "status": "active", "bestFor": null, "canonId": "019df269-2b04-75bc-ad85-e0179264bdd7", "version": 1, "bodyDocId": "019df269-2ae1-771d-9cd1-193a2e25f21c", "description": "The single most-copied slide in activism. This is the exact layout, used", "familyLabel": "slide-recipe", "categoryName": "Slide", "categorySlug": "slide" }, "agent": "designer", "layer": "slide", "agents": [ "designer" ], "matchId": "ce77ba24-d049-428e-beca-a497814a2c29", "evidence": "Bar chart comparing HBT vs High Performing Peers cost of deposits from 2017 to 1Q23", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 00:27:32.048523+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 23, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [ { "matchId": "8397dabb-c173-463e-8bdd-06b14dd2ec9c", "evidence": "Direct comparison of HBT metrics against a defined peer group", "framework": null, "confidence": 0.9, "extraction": { "at": "2026-05-02 11:44:13.024+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 23, "frameworkName": "comparison_frame" } ], "arcBeats": [], "loops": [], "locked": true }, { "page": 24, "type": "setup", "title": "Slide 23 of a presentation; includes a data table for deposit base characteristics.", "function": "analyze_data", "rawType": "key_messages", "block": null, "metadata": { "slideType": "key_messages", "slideTypeCanon": { "name": "Key messages", "slug": "key_messages", "status": "active", "canonId": "019de52d-0712-703f-89f5-bda6688faf3f", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 84, "componentCount": 7, "textChars": 739, "nDataPoints": 18, "notes": "Slide 23 of a presentation; includes a data table for deposit base characteristics.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:12.935+00", "seconds": 3.03, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/24", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-24", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.2, "w": 0.45, "x": 0.07, "y": 0.00215 }, "kind": "list", "text": "Top 2 deposit share rank in 6 of 8 largest Central Illinois markets. Deposit base is long tenured and granular. Proactive campaign to reach top 250 customers. Detailed pricing guidance available.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.935+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "879f2eca-ad51-41d0-88a8-d603fd9a0cda", "parentComponentId": null }, { "bbox": { "h": 0.6, "w": 0.45, "x": 0.52, "y": 0.00215 }, "kind": "list", "text": "Chicago MSA: Entered 2011, local talent disruption, scale/diversity. Central Illinois: Deep-rooted presence, resilient, Town and Country merger. Iowa: Entered 2021, NXT acquisition, lending limit expansion.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.935+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "dc340b4c-e5eb-4afc-b646-39bba48e223b", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.7, "x": 0.14, "y": 0.0092 }, "kind": "source-note", "text": "Source: S&P Capital IQ, data as of June 30, 2022; leading deposit share defined as top 3 deposit share rank; 2 Excludes overdrawn deposit accounts", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.935+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a18a4c19-723c-4cfb-8f55-6cbfeea9958f", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.45, "x": 0.07, "y": 0.00515 }, "kind": "table", "text": "Deposit Base Characteristics table showing accounts, balance, and age by deposit type.", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.935+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c38c7665-0625-458e-9a64-63c151c6e308", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.3, "x": 0.07, "y": 0.00175 }, "kind": "title", "text": "Leading Deposit Market Position", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.935+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "19f07c48-a2d9-490e-9e35-3345b7bc749e", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.6, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "... provides funding for loan growth opportunities", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.935+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "529b5107-61ec-43de-9c1b-f52055bd87fd", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.3, "x": 0.52, "y": 0.00175 }, "kind": "title", "text": "Loan Growth Opportunities", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.935+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9b1f79ad-0cfe-4abc-98bb-196655755d0e", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "a4d11c30-589d-4a39-9ab5-def5b93607b2", "evidence": "list/bullet: Chicago MSA: Entered 2011, local talent disruption, scale/diversity. Central Illinois: Deep-rooted presence, resilient, Town and Country merger. Iowa: Entered 2021, NXT acquisition, lending limit expansion.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.15243+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 24, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 25, "type": "evidence", "title": "The timeline uses a horizontal line with vertical stems to denote specific acquisition events.", "function": "illustrate_case", "rawType": "timeline", "block": null, "metadata": { "slideType": "timeline", "slideTypeCanon": { "name": "Timeline", "slug": "timeline", "status": "active", "canonId": "019de52d-0851-75eb-b758-ea2965e7739a", "version": 1, "description": null }, "function": "illustrate_case", "functionCanon": { "name": "Illustrate case", "slug": "illustrate_case", "status": "active", "canonId": "019de52d-13b4-772c-bb73-1873612a7463", "version": 1, "description": null }, "density": "balanced", "densityScore": 32, "componentCount": 3, "textChars": 284, "nDataPoints": 9, "notes": "The timeline uses a horizontal line with vertical stems to denote specific acquisition events.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:14.912+00", "seconds": 4.897, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/25", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-25", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.45, "w": 0.86, "x": 0.07, "y": 0.28 }, "kind": "diagram", "text": "Timeline of acquisitions from 2007 to 2023", "attrs": null, "canon": { "kind": { "name": "Diagram", "slug": "diagram", "status": "active", "canonId": "019de52c-f9f0-734a-81de-15382ff28c65", "version": 1, "description": "Schematic or relational diagram." }, "tool": null, "subkind": { "name": "Timeline", "slug": "timeline", "status": "active", "canonId": "019de52d-03c5-73fc-84aa-4180cbf0f5cf", "version": 1, "description": null }, "framework": null }, "subkind": "timeline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.912+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6727d448-1b9e-4e02-8465-198ebe7a3dbf", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.75, "x": 0.13, "y": 0.91 }, "kind": "source-note", "text": "Although the Lincoln Acquisition is identified as an acquisition in the above table, the transaction was accounted for as a change of reporting entity due to its common control with Company", "attrs": { "numbered": true }, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.912+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "180f2bf6-df17-4f6b-8927-f36dad2ff16b", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.6, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Track record of successfully integrating acquisitions", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.912+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "174ac234-40b6-4745-a039-cd4c592876be", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [ { "matchId": "c5786b37-b54f-4b3a-884e-b481494f11e0", "evidence": "Chronological representation of acquisition events", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:44:14.912+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 25, "frameworkName": "timeline" } ], "arcBeats": [], "loops": [], "locked": true }, { "page": 26, "type": "setup", "title": "Mentions 'three lines of defense' model.", "function": "summarize", "rawType": "key_messages", "block": null, "metadata": { "slideType": "key_messages", "slideTypeCanon": { "name": "Key messages", "slug": "key_messages", "status": "active", "canonId": "019de52d-0712-703f-89f5-bda6688faf3f", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "balanced", "densityScore": 41, "componentCount": 4, "textChars": 300, "nDataPoints": 5, "notes": "Mentions 'three lines of defense' model.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:15.037+00", "seconds": 4.969, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/26", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-26", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.25, "w": 0.42, "x": 0.52, "y": 0.65 }, "kind": "chart", "text": "Historical net charge-offs (%)", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Line chart", "slug": "line", "status": "active", "canonId": "019de52c-ff62-778f-8f6c-a952ceae8677", "version": 1, "description": null }, "framework": null }, "subkind": "line", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:15.037+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d7573f28-554f-407e-aef8-1b020595b246", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.42, "x": 0.52, "y": 0.19 }, "kind": "list", "text": "Disciplined Credit Risk Management: Risk management culture, diversified portfolio, centralized underwriting, conservative culture, internal loan review", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:15.037+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "68f9f479-ab92-44cf-9eb1-7d91d1ddf72d", "parentComponentId": null }, { "bbox": { "h": 0.68, "w": 0.42, "x": 0.07, "y": 0.19 }, "kind": "list", "text": "Comprehensive Enterprise Risk Management: Strategy and Risk Management, Data Security & Privacy", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:15.037+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9d6ca3c3-965c-44c3-9a8c-148aabf29cab", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.37, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Prudent risk management", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:15.037+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "655d97fe-742d-486e-aeec-4da1e253b725", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "List presentation", "slug": "list-presentation", "status": "active", "bestFor": null, "canonId": "019dd9e1-4ef7-777d-ba68-9074c2b3bcf1", "version": 1, "bodyDocId": null, "description": "Bulleted, numbered, or checklist enumerations.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "c9958ebe-62a6-4e1a-b39d-5d3ca4228489", "evidence": "list/bullet: Disciplined Credit Risk Management: Risk management culture, diversified portfolio, centralized underwriting, conservative culture, internal loan review", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.257181+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 26, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [ { "matchId": "360e8c3c-9013-449b-994c-eb12c2cae1ef", "evidence": "ERM program embodies the 'three lines of defense' model", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:44:15.037+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 26, "frameworkName": "three-lines-of-defense" } ], "arcBeats": [], "loops": [], "locked": true }, { "page": 27, "type": "appendix", "function": "appendix", "rawType": "appendix", "block": null, "metadata": { "slideType": "appendix", "slideTypeCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-0762-71f8-b564-89ab863301cc", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "sparse", "densityScore": 0, "componentCount": 1, "textChars": 8, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:12.021+00", "seconds": 1.591, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/27", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-27", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.035, "w": 0.125, "x": 0.073, "y": 0.083 }, "kind": "title", "text": "Appendix", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:12.021+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "77084491-668e-4e84-9d7e-01bd88d014a1", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 28, "type": "analysis", "title": "Includes footnotes regarding acquisition expenses and annualized measures.", "function": "analyze_data", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 50, "componentCount": 4, "textChars": 385, "nDataPoints": 48, "notes": "Includes footnotes regarding acquisition expenses and annualized measures.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:16.777+00", "seconds": 5.905, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/28", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-28", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.85, "x": 0.075, "y": 0.875 }, "kind": "disclaimer", "text": "* Annualized measure; 1 Includes recognition of an allowance for credit losses on non-PCD loans of $5.2 million and an allowance for credit losses on unfunded commitments of $0.7 million subsequent to the Town and Country merger during first quarter of 2023.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.777+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "afc6def4-f112-496f-977a-3983bb5cb5c7", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.85, "x": 0.075, "y": 0.19 }, "kind": "table", "text": "Reconciliation table of net income to adjusted net income and ROAA", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.777+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7d6ec57c-83e6-4c7b-a20d-8d7ea266d702", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.385, "x": 0.075, "y": 0.085 }, "kind": "title", "text": "Non-GAAP Reconciliations", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.777+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4f327842-0947-4253-b4ab-ca6df4d1f12c", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.33, "x": 0.075, "y": 0.16 }, "kind": "title", "text": "Adjusted net income and adjusted ROAA", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "019de52c-fb09-739d-900c-815b0d9ac526", "version": 1, "description": null }, "framework": null }, "subkind": "subtitle", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.777+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d601f4ea-f15f-4865-ad19-3d077cdb68f6", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "ab490bff-bfc0-4a58-b6d6-d90310291c57", "evidence": "table/data: Reconciliation table of net income to adjusted net income and ROAA", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.365468+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 28, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 29, "type": "analysis", "title": "The table provides a breakdown of equity adjustments and resulting return metrics.", "function": "analyze_data", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "balanced", "densityScore": 39, "componentCount": 4, "textChars": 198, "nDataPoints": 48, "notes": "The table provides a breakdown of equity adjustments and resulting return metrics.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:16.078+00", "seconds": 5.081, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/29", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-29", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.15, "x": 0.075, "y": 0.88 }, "kind": "source-note", "text": "* Annualized measure", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.078+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fc77995a-d735-4f92-bfe7-3249ad086a6e", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.85, "x": 0.075, "y": 0.19 }, "kind": "table", "text": "Financial reconciliation table for ROATCE and adjusted return metrics", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.078+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "df4ab975-f562-4b2d-89df-e1501b3adab7", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.48, "x": 0.075, "y": 0.085 }, "kind": "title", "text": "Non-GAAP Reconciliations (cont'd)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.078+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "34baf0f0-2702-4f84-ac36-ddf29edb07bc", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.58, "x": 0.075, "y": 0.16 }, "kind": "title", "text": "ROATCE, adjusted return on average stockholders' equity, and adjusted ROATCE", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "019de52c-fb09-739d-900c-815b0d9ac526", "version": 1, "description": null }, "framework": null }, "subkind": "subtitle", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.078+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1dd8e88a-0edd-4c42-b9ba-9f99f0eb23a1", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "8aa174e0-bea2-446b-b62a-1bd1dcc79d87", "evidence": "table/data: Financial reconciliation table for ROATCE and adjusted return metrics", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.439348+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 29, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 30, "type": "analysis", "title": "Contains four distinct sub-tables: annual net interest income, annual net interest margin, quarterly net interest income, and quarterly net interest margin.", "function": "analyze_data", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "balanced", "densityScore": 25, "componentCount": 3, "textChars": 124, "nDataPoints": 80, "notes": "Contains four distinct sub-tables: annual net interest income, annual net interest margin, quarterly net interest income, and quarterly net interest margin.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:13.207+00", "seconds": 2.122, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/30", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-30", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.15, "x": 0.075, "y": 0.905 }, "kind": "source-note", "text": "* Annualized measure.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.207+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2e87839a-9564-4177-8991-19bd55485309", "parentComponentId": null }, { "bbox": { "h": 0.75, "w": 0.85, "x": 0.075, "y": 0.16 }, "kind": "table", "text": "Annual and quarterly financial data for net interest income and margin", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.207+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "804c17bf-80d4-4c94-8cab-62a0734b4085", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.41, "x": 0.075, "y": 0.085 }, "kind": "title", "text": "Non-GAAP Reconciliations (cont'd)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.207+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ddcd4d65-6454-4076-912b-c334fc330336", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "3d64ddc1-80f4-40b7-92e9-426314a368b5", "evidence": "table/data: Annual and quarterly financial data for net interest income and margin", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.509095+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 30, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 31, "type": "analysis", "title": "The table reconciles non-GAAP efficiency ratios by adjusting for intangible asset amortization and tax-equivalent adjustments.", "function": "analyze_data", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "balanced", "densityScore": 28, "componentCount": 3, "textChars": 181, "nDataPoints": 48, "notes": "The table reconciles non-GAAP efficiency ratios by adjusting for intangible asset amortization and tax-equivalent adjustments.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:14.081+00", "seconds": 2.859, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/31", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-31", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.45, "w": 0.85, "x": 0.074, "y": 0.205 }, "kind": "table", "text": "Financial reconciliation table for Efficiency Ratio (tax-equivalent basis) across 2020, 2021, 2022, and 1H23.", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.081+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f2ee387d-8da5-4413-99c8-a3fd845a3cd8", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.48, "x": 0.074, "y": 0.085 }, "kind": "title", "text": "Non-GAAP Reconciliations (cont'd)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.081+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "492a3f3f-bd1c-44e6-b134-19deecc47701", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.31, "x": 0.074, "y": 0.16 }, "kind": "title", "text": "Efficiency ratio (tax-equivalent basis)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Subtitle", "slug": "subtitle", "status": "active", "canonId": "019de52c-fb09-739d-900c-815b0d9ac526", "version": 1, "description": null }, "framework": null }, "subkind": "subtitle", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:14.081+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e326d9f8-0a54-4cf3-ac6d-afa794298c44", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "180c46aa-f56f-42a9-bb68-4b09f774e474", "evidence": "table/data: Financial reconciliation table for Efficiency Ratio (tax-equivalent basis) across 2020, 2021, 2022, and 1H23.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.578298+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 31, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 32, "type": "analysis", "title": "The slide provides a detailed breakdown of equity adjustments and dividend impacts over a 12-year period.", "function": "analyze_data", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "sparse", "densityScore": 19, "componentCount": 2, "textChars": 112, "nDataPoints": 150, "notes": "The slide provides a detailed breakdown of equity adjustments and dividend impacts over a 12-year period.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:13.697+00", "seconds": 2.426, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/32", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-32", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.71, "w": 0.85, "x": 0.075, "y": 0.16 }, "kind": "table", "text": "Tangible book value per share and cumulative effect of dividends (2007 to 3Q19)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.697+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7a7cf37d-e32b-4fcb-96e7-5fbfbf68ac9b", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.48, "x": 0.075, "y": 0.085 }, "kind": "title", "text": "Non-GAAP Reconciliations (cont'd)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.697+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b7566a9e-73f2-4dcf-a8ce-0daaad56a9f2", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "8f229d09-1249-4403-bbb3-bf2f25e0c2be", "evidence": "table/data: Tangible book value per share and cumulative effect of dividends (2007 to 3Q19)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.647172+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 32, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 33, "type": "analysis", "title": "Contains two distinct financial tables: one for IPO adjustment and one for historical TBVPS performance.", "function": "analyze_data", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "balanced", "densityScore": 26, "componentCount": 3, "textChars": 144, "nDataPoints": 48, "notes": "Contains two distinct financial tables: one for IPO adjustment and one for historical TBVPS performance.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:13.871+00", "seconds": 2.508, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/33", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-33", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.35, "w": 0.92, "x": 0.07, "y": 0.58 }, "kind": "table", "text": "Tangible book value per share (IPO adjusted 3Q19 to 2Q23) table", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.871+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4719a04b-d54e-4ed5-b79e-ff9d00689093", "parentComponentId": null }, { "bbox": { "h": 0.42, "w": 0.92, "x": 0.07, "y": 0.14 }, "kind": "table", "text": "IPO adjusted tangible book value per share table", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.871+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c9cb504b-2990-4182-b176-2e356cc5f37b", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.48, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Non-GAAP Reconciliations (cont'd)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.871+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fc647afb-5fc1-4e1f-a678-f674898fd802", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "f2b22ac4-4c5c-4330-a924-b586b5c5e336", "evidence": "table/data: Tangible book value per share (IPO adjusted 3Q19 to 2Q23) table", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.71648+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 33, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 34, "type": "analysis", "title": "The table provides a bridge from GAAP equity/assets to non-GAAP tangible metrics.", "function": "analyze_data", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "sparse", "densityScore": 17, "componentCount": 2, "textChars": 95, "nDataPoints": 45, "notes": "The table provides a bridge from GAAP equity/assets to non-GAAP tangible metrics.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:15.855+00", "seconds": 4.386, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/34", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-34", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.45, "w": 0.85, "x": 0.075, "y": 0.16 }, "kind": "table", "text": "Tangible common equity to tangible assets reconciliation table", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:15.855+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d71c89e1-9d82-4f49-8223-b9965f995364", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.48, "x": 0.075, "y": 0.085 }, "kind": "title", "text": "Non-GAAP Reconciliations (cont'd)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:15.855+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "76134415-501d-4f1d-a760-c724fb728313", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "067c1494-0015-4c8e-8f2c-a70d6fdb8a93", "evidence": "table/data: Tangible common equity to tangible assets reconciliation table", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:27:32.785453+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 34, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 35, "type": "analysis", "function": "analyze_data", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "sparse", "densityScore": 23, "componentCount": 2, "textChars": 199, "nDataPoints": 20, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:16.096+00", "seconds": 4.558, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/35", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-35", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.2, "w": 0.85, "x": 0.075, "y": 0.16 }, "kind": "table", "text": "Core deposits reconciliation table showing total deposits, time deposits, brokered deposits, and core deposits to total deposits ratio for 2020, 2021, 2022, and 2Q23.", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.096+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0e06f784-120b-45fb-b32f-0e6afc19fdaa", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.48, "x": 0.075, "y": 0.085 }, "kind": "title", "text": "Non-GAAP Reconciliations (cont'd)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:16.096+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0493dff8-939b-432b-9605-665f3aca0383", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 36, "type": "setup", "function": "front_matter", "rawType": "cover", "block": null, "metadata": { "slideType": "cover", "slideTypeCanon": { "name": "Cover", "slug": "cover", "status": "active", "canonId": "019de52d-05f2-729d-9f93-e0504f0a2410", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "sparse", "densityScore": 1, "componentCount": 1, "textChars": 19, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:44:13.836+00", "seconds": 2.243, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de075-5236-71e4-a461-a54515569701/36", "deck": "/decks/019de075-5236-71e4-a461-a54515569701", "deckAnchor": "/decks/019de075-5236-71e4-a461-a54515569701#slide-36", "deckJson": "/decks/019de075-5236-71e4-a461-a54515569701.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.45, "x": 0.05, "y": 0.38 }, "kind": "title", "text": "HBT Financial, Inc.", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:44:13.836+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "dcb32e94-8a7d-49fd-bd7d-eddcd2924366", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true } ], "arcBeats": [], "loops": [] }