{ "schemaVersion": "deck-intelligence.v1", "id": "019de076-a761-7058-b44f-42a68d9fa1b8", "slug": "cd80f28798d236dc846dee8621f5de0a", "title": "HBT Financial | Results Presentation Deck | 36 slides", "subtitle": "HBT Financial · 2024-01", "author": "HBT Financial", "date": "2024-01-01 00:00:00", "pageCount": 36, "kind": "conference-presentation", "orientation": "landscape", "aspectRatio": 1.4138439, "document": { "id": "019de076-a761-7058-b44f-42a68d9fa1b8", "slug": "cd80f28798d236dc846dee8621f5de0a", "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": "2024-01__hbt-financial__results__cd80f287.pdf", "sourceUrl": "https://www.slidebook.io/company/hbt-financial/presentation/cd80f28798d236dc846dee8621f5de0a/", "sourceDate": "2024-01-24 00:00:00", "presentationDate": "2024-01-01 00:00:00", "ingestedAt": "2026-04-30 22:16:05.830109+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/2024-01__hbt-financial__results__cd80f287", "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": 167, "chartCount": 25, "metricSlides": 0, "toolMatches": 7, "documentToolMatches": 0, "frameworkMatches": 8, "arcMatches": 1, "beatMatches": 5, "loopMatches": 2, "patternMatches": 0, "storymakersMatch": false, "scoreAvailable": false, "reviewAvailable": false, "activistThesisAvailable": false, "pitchdeckMetadataAvailable": false, "pitchdeckProfileAvailable": false }, "blocks": [], "matches": { "arcs": [ { "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null, "categoryName": "Booker's 7 Plots", "categorySlug": "booker-s-7-plots" }, "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "evidence": "The presentation follows a narrative of growth and achievement, from humble beginnings to ultimate achievement", "isPrimary": true, "confidence": 0.7, "extraction": { "at": "2026-07-16 22:41:58.091781+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "beats": [ { "to": 4, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null, "categoryName": "Booker's 7 Plots", "categorySlug": "booker-s-7-plots" }, "from": 1, "name": "Humble Origins", "beatId": "ea34e3ef-588f-4a54-a122-ba4d0045860e", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Humble Origins", "slug": "rags-to-riches-humble-origins", "status": "active", "canonId": "019dd9b8-4938-7404-a51e-be10eff8a9d5", "version": 1, "description": null }, "evidence": "Company snapshot and history", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. Almost every arc opens here." }, "alignedBlockIds": null, "matchConfidence": 0.7 }, { "to": 9, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null, "categoryName": "Booker's 7 Plots", "categorySlug": "booker-s-7-plots" }, "from": 5, "name": "Early Struggles", "beatId": "a093ab1e-ca5d-4c80-bc49-58e9a025c6cf", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Early Struggles", "slug": "rags-to-riches-early-struggles", "status": "active", "canonId": "019dd9b8-49ce-74b8-9380-2d085fa29e28", "version": 1, "description": null }, "evidence": "Earnings overview and deposit overview", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 }, { "to": 14, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null, "categoryName": "Booker's 7 Plots", "categorySlug": "booker-s-7-plots" }, "from": 10, "name": "Rising Success", "beatId": "71b4744a-92d5-4400-a406-0d7cf82274a3", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Rising Success", "slug": "rags-to-riches-rising-success", "status": "active", "canonId": "019dd9b8-4b41-72fa-a0c3-6e8fd75a9278", "version": 1, "description": null }, "evidence": "Loan portfolio overview and near-term outlook", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Development", "slug": "development", "status": "active", "canonId": "019dd9b8-0332-7008-b3aa-11b0840a57b1", "version": 1, "description": "The middle stretch in arcs that have one. Often where length problems creep in." }, "alignedBlockIds": null, "matchConfidence": 0.7 }, { "to": 19, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null, "categoryName": "Booker's 7 Plots", "categorySlug": "booker-s-7-plots" }, "from": 15, "name": "The Breakthrough", "beatId": "e92992f2-a0f9-49ee-95b0-3080241a46dd", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "The Breakthrough", "slug": "rags-to-riches-the-breakthrough", "status": "active", "canonId": "019dd9b8-4ab3-73dd-aeb6-bf930dcb0353", "version": 1, "description": null }, "evidence": "History of organic and acquisitive growth and experienced management team", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 }, { "to": 22, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null, "categoryName": "Booker's 7 Plots", "categorySlug": "booker-s-7-plots" }, "from": 20, "name": "Ultimate Achievement", "beatId": "714b9c1b-a99d-4e4d-bb17-3c21f4d8800a", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Ultimate Achievement", "slug": "rags-to-riches-ultimate-achievement", "status": "active", "canonId": "019dd9b8-4bd4-742e-8790-192b9ccb6049", "version": 1, "description": null }, "evidence": "Investment highlights and consistent performance through cycles", "position": 4, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 22, "from": 21, "loop": { "name": "21_before_after", "slug": "21-before-after", "status": "active", "bestFor": "Product demos, process improvements, ROI justification", "canonId": "019dd956-6e68-73fd-a295-fe90145c2da8", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Old Way (Pain) -> The Moment of Change -> The New Way (Glory) -> The Measurable Delta", "description": "Show the dramatic contrast between the old way and the new way through side-by-side comparison", "familyLabel": null, "categoryName": "Comparison", "categorySlug": "comparison" }, "matchId": "4a64300e-0492-48af-9dbd-2889ea0d9f4e", "evidence": "Before-and-after comparison of financial performance", "position": 0, "objective": "Consistent performance through cycles drives long-term tangible book value growth", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.299752+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } }, { "to": 26, "from": 20, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null, "categoryName": "Consulting Framework", "categorySlug": "consulting-framework" }, "matchId": "b079c13b-6770-448d-9895-2bee24201612", "evidence": "Investment highlights and key messages", "position": 1, "objective": "Funding loan growth opportunities with granular, low-cost deposit base", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.336014+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "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": "5162fa12-21a2-46ab-9c7f-6075ef719e68", "evidence": "list/bullet: Strong profitability: Net income of $18.4 million, or $0.58 per diluted share; ROAA of 1.46% and ROATCE of 18.96%. Adjusted net income of $19.3 million, or $0.60 per diluted share; adjusted ROAA of 1.53%", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 00:41:23.090477+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": "Executive summary", "slug": "executive-summary", "status": "active", "bestFor": null, "canonId": "019dd9e1-4b63-72d5-9734-da757d91ca61", "version": 1, "bodyDocId": null, "description": "A condensed view of the entire argument on a single slide / block.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "a05e8030-1385-4475-bfec-2369320d1e02", "evidence": "Company Snapshot", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 00:41:23.177589+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 4, "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": "852af826-9c76-4a20-a295-caebafa6e593", "evidence": "Financial Highlights table showing Balance Sheet, KPI, and Credit metrics from 2020-2023", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 00:41:23.220504+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 4, "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": "00ea31de-c8c6-4365-b4ba-9467a2c0ce62", "evidence": "4Q23 NIM Analysis waterfall chart", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:41:23.30766+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": "Waterfall / value bridge", "slug": "waterfall-bridge", "status": "active", "bestFor": null, "canonId": "019de52d-19c5-727e-8889-b0b361655fca", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "1b2fd806-d78d-47b0-8459-6dbd1b0b0e4b", "evidence": "4Q23 ACL on Loans Activity ($000)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:41:23.56617+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": "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": "dbda8d41-6056-4777-a34a-f647e8c956cd", "evidence": "The slide contains a four-pillar strategic framework diagram, which could be interpreted as a 2x2 matrix.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.5, "extraction": { "at": "2026-07-17 00:41:28.054893+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Action Titles", "slug": "action-titles", "status": "active", "bestFor": "Any decision-grade deliverable — strategy recommendation, board update, investment memo, M&A review, post-mortem — where the reader is being asked to agree, decide, or act and will skim the title bar at speed.", "canonId": "019dd956-ac70-700b-a608-ba58e78f5dcc", "version": 1, "bodyDocId": "816dad3c-9983-41c1-a86e-978ebd582841", "description": "The McKinsey-bred discipline of writing every slide title as a complete declarative sentence with a verb and an insight, not a topic label. Each title is a sub-claim that ladders up to the deck's governing thought; read in sequence, the titles reconstruct the executive summary.", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Architect", "layer": "slide", "agents": [ "Architect" ], "matchId": "6efb88e8-024a-46d5-98c7-7aa5ffc6540e", "evidence": "The slide contains an action title, 'Small enough to know you, big enough to serve you'.", "pageRefs": null, "priority": "Core", "whenToUse": "Any decision-grade deliverable — strategy recommendation, board update, investment memo, M&A review, post-mortem — where the reader is being asked to agree, decide, or act and will skim the title bar at speed.", "confidence": 0.7, "extraction": { "at": "2026-07-17 00:41:28.011124+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "whyItWorks": "Solves two failure modes at once. (1) The buried claim: action titles place the conclusion on the page before any analysis is read, so a busy reader doesn't reverse-engineer it from the chart. (2) The spineless deck: because each title is a claim, slides have to ladder up to the governing thought; logical gaps become visible as topic-shaped titles in a sequence that no longer reads as a story.", "antipattern": "Topic labels disguised as titles — Volume by quarter, Key findings, Pricing strategy, Margins have been impacted. No verb, or a passive verb with no agent, or a fact (Revenue grew 12%) without the so-what. Also: titles that overreach the chart's evidence, multi-claim X-grew-but-Y-fell welded titles, and mechanical repetition of the same X-drove-Y template across the deck.", "cardinality": null, "narrativePurpose": "Forces the deck to carry its argument in the title bar so a senior reader can extract the recommendation without opening a single slide; converts a binder of topics into a navigable pyramid where every slide is a node defending the apex." } ], "frameworks": [ { "matchId": "5716ea5c-c216-4cd7-8b16-030d713e1547", "evidence": "NIM analysis chart", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:11:12.599+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "frameworkName": "waterfall-bridge" }, { "matchId": "f95909cd-2773-49f6-afaf-8e87f260c1c5", "evidence": "The chart visualizes the change in ACL balance from 3Q23 to 4Q23 through intermediate adjustments.", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:11:12.983+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 10, "frameworkName": "waterfall-bridge" }, { "matchId": "c4f9b34d-2ede-47a7-81ea-f0bcaca29c8e", "evidence": "Chronological sequence of events", "framework": null, "confidence": 0.6, "extraction": { "at": "2026-05-02 11:11:15.914+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 15, "frameworkName": "gantt-chart" }, { "matchId": "4c96e6ca-3248-4467-a139-2387b67dcdff", "evidence": "Four-step arrow diagram representing strategic pillars", "framework": null, "confidence": 0.9, "extraction": { "at": "2026-05-02 11:11:13.656+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "frameworkName": "process" }, { "matchId": "ee3956ee-2f80-4cc5-9fe1-bedcd257d3af", "evidence": "The slide contrasts historical performance drivers with the resulting financial outcome (outperformance).", "framework": null, "confidence": 0.8, "extraction": { "at": "2026-05-02 11:11:14.614+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 21, "frameworkName": "before-after-framing" }, { "matchId": "1c3d8c95-8339-4bc9-bf67-a67d2048e5f9", "evidence": "Compares HBT metrics against a defined peer group median.", "framework": null, "confidence": 0.9, "extraction": { "at": "2026-05-02 11:11:15.027+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 23, "frameworkName": "comparison_frame" }, { "matchId": "945b7600-0649-467d-ae42-6f2ac0262205", "evidence": "Visual representation of events over time", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:11:15.169+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 25, "frameworkName": "timeline" }, { "matchId": "f6b50dbf-0bf2-40d5-9662-e4a2ff15c14e", "evidence": "Mentioned in the Enterprise Risk Management section as the model used for risk ownership.", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:11:15.943+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/88WiuTVTmSc252Vf_WqMAoC_Cu0IKStdd5_8VJLrOjM/rs:fit:1200:1200:0/q:82/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9jZDgwZjI4Nzk4ZDIzNmRjODQ2ZGVlODYyMWY1ZGUwYS9wMDAxLmpwZw", "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": 104, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:12.202+00", "seconds": 2.8, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/1", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-1", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.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 11:11:12.202+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1955ebd4-848f-4a70-9265-489dece75a52", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.4, "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 11:11:12.202+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cfe79e83-712a-4019-a304-f104301c06bb", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.3, "x": 0.05, "y": 0.58 }, "kind": "title", "text": "Q4 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 11:11:12.202+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a51fba77-b9e1-4fbc-a74d-b2480ce332fd", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.2, "x": 0.05, "y": 0.5 }, "kind": "title", "text": "January 24, 2024", "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 11:11:12.202+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e07ea904-f278-407d-864a-7f5fb5f6d92d", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 1, "name": "Humble Origins", "beatId": "ea34e3ef-588f-4a54-a122-ba4d0045860e", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Humble Origins", "slug": "rags-to-riches-humble-origins", "status": "active", "canonId": "019dd9b8-4938-7404-a51e-be10eff8a9d5", "version": 1, "description": null }, "evidence": "Company snapshot and history", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. Almost every arc opens here." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "thumbSrc": "https://imgproxy.kitesheet.com/gCNRbsv0kTxJeWI50HsQtK2R1GBoMuCx1n9SNcNhElc/rs:fit:480:480:0/q:78/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9jZDgwZjI4Nzk4ZDIzNmRjODQ2ZGVlODYyMWY1ZGUwYS9wMDAxLmpwZw", "imagePathAlt": "https://imgproxy.kitesheet.com/_A7kdDZm8GNwDIHJz_HOPevRQhvHY7ivVD6E1_yp6XU/rs:fit:1200:1200:0/q:82/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9jZDgwZjI4Nzk4ZDIzNmRjODQ2ZGVlODYyMWY1ZGUwYS9wMDAxLnBuZw", "thumbSrcAlt": "https://imgproxy.kitesheet.com/Tt5GWAXf1xOts3332AhKAiauIKFaQtTaanB7VE51yHA/rs:fit:480:480:0/q:78/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9jZDgwZjI4Nzk4ZDIzNmRjODQ2ZGVlODYyMWY1ZGUwYS9wMDAxLnBuZw" }, { "page": 2, "type": "setup", "function": "front_matter", "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": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "dense", "densityScore": 67, "componentCount": 5, "textChars": 5183, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:13.775+00", "seconds": 4.317, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/2", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-2", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.115, "w": 0.915, "x": 0.08, "y": 0.235 }, "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. Forward-looking statements generally can be identified by the use of forward-looking terminology such as “will,” “propose,” “may,” “plan,” “seek,” “expect,” “intend,” “estimate,” “anticipate,” “believe,” “continue,” or “should,” or similar terminology. Any forward-looking statements presented herein are made only as of the date of this presentation, and the Company does not undertake any obligation to update or revise any forward-looking statements to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise.", "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 11:11:13.775+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "199e093f-3fe4-4c19-9845-83d96b11c602", "parentComponentId": null }, { "bbox": { "h": 0.28, "w": 0.915, "x": 0.08, "y": 0.355 }, "kind": "disclaimer", "text": "Factors that could cause actual results to differ materially from these forward-looking statements include, but are not limited to: (i) the strength of the local, state, national and international economies (including effects of inflationary pressures and supply chain constraints); (ii) the economic impact of any future terrorist threats and attacks, widespread disease or pandemics (including the COVID-19 pandemic in the United States), acts of war or other threats thereof (including the Israeli-Palestinian conflict and the Russian invasion of Ukraine), or other adverse external events that could cause economic deterioration or instability in credit markets, and the response of the local, state and national governments to any such adverse external events; (iii) changes in accounting policies and practices, as may be adopted by state and federal regulatory agencies, the FASB or the PCAOB (including the Company’s adoption of the current expected credit losses (“CECL”) methodology); (iv) changes in state and federal laws, regulations and governmental policies concerning the Company’s general business and any changes in response to the recent failures of other banks; (v) changes in interest rates and prepayment rates of the Company’s assets (including the impact of LIBOR phase-out and the recent and potential additional rate increases by the Federal Reserve); (vi) increased competition in the financial services sector, including from non-bank competitors such as credit unions and “fintech” companies, and the inability to attract new customers; (vii) changes in technology and the ability to develop and maintain secure and reliable electronic systems; (viii) unexpected results of acquisitions, which may include failure to realize the anticipated benefits of acquisitions and the possibility that transaction costs may be greater than anticipated; (ix) the loss of key executives or employees; (x) changes in consumer spending; (xi) unexpected outcomes of existing or new litigation involving the Company; (xii) the economic impact of exceptional weather occurrences such as tornadoes, floods and blizzards; (xiii) fluctuations in the value of securities held in our securities portfolio; (xiv) concentrations within our loan portfolio, large loans to certain borrowers, and large deposits from certain clients; (xv) the concentration of large deposits from certain clients who have balances above current FDIC insurance limits and may withdraw deposits to diversify their exposure; (xvi) the level of non-performing assets on our balance sheets; (xvii) interruptions involving our information technology and communications systems or third-party servicers; (xviii) breaches or failures of our information security controls or cybersecurity-related incidents, and (xix) the ability of the Company to manage the risks associated with the foregoing as well as anticipated. Readers should note that the forward-looking statements included in this presentation are not a guarantee of future events, and that actual events may differ materially from those made in or suggested by the forward-looking statements. Additional information concerning the Company and its business, including additional factors that could materially affect the Company’s financial results, is included in the Company’s filings with the Securities and Exchange Commission.", "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 11:11:13.775+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "50de8746-838e-4074-ba04-8e9e2e022545", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.915, "x": 0.08, "y": 0.675 }, "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. Because not all companies use identical calculations, the presentation herein of non-GAAP financial measures may not be comparable to other similarly titled measures of other companies. Tax-equivalent adjustments assume a federal tax rate of 21% and state tax rate of 9.5%. For a reconciliation of the non-GAAP measures we use to the most closely comparable GAAP measures, see the Appendix to this presentation.", "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 11:11:13.775+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "da2ee406-b0d6-4703-9714-3c68141ac9b4", "parentComponentId": null }, { "bbox": { "h": 0.018, "w": 0.235, "x": 0.08, "y": 0.205 }, "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 11:11:13.775+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8132a3a3-04ee-4a55-886c-fc36a3ee9bc2", "parentComponentId": null }, { "bbox": { "h": 0.018, "w": 0.235, "x": 0.08, "y": 0.645 }, "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 11:11:13.775+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d9bce053-6485-44fe-bbd8-422e4b830c98", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 1, "name": "Humble Origins", "beatId": "ea34e3ef-588f-4a54-a122-ba4d0045860e", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Humble Origins", "slug": "rags-to-riches-humble-origins", "status": "active", "canonId": "019dd9b8-4938-7404-a51e-be10eff8a9d5", "version": 1, "description": null }, "evidence": "Company snapshot and history", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. Almost every arc opens here." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 3, "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": "dense", "densityScore": 71, "componentCount": 5, "textChars": 931, "nDataPoints": 16, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:13.058+00", "seconds": 3.313, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/3", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-3", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.2, "w": 0.85, "x": 0.075, "y": 0.7 }, "kind": "list", "text": "Continued loan growth and excellent asset quality: Loans increased $61.6 million (1.8%) vs Sept 30, 2023. Nonperforming assets to total assets of 0.17%; net charge-offs to average loans of 0.06%.", "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 11:11:13.058+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "01cd43b7-b12b-400f-a3ed-aab6e0cdb1ef", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.85, "x": 0.075, "y": 0.4 }, "kind": "list", "text": "Diversified deposit base: Deposits increased $203.4 million. Maintained strong net interest margin of 3.93% (3.99% tax-equivalent). Cost of funds increased 30 bps to 1.26%; total cost of deposits increased 36 bps to 1.05%; yield on average earning assets increased 16 bps to 5.13%.", "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 11:11:13.058+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "33ecd306-89d8-47d2-bcc6-c9ebd8f2e60d", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.85, "x": 0.075, "y": 0.0015 }, "kind": "list", "text": "Strong profitability: Net income of $18.4 million, or $0.58 per diluted share; ROAA of 1.46% and ROATCE of 18.96%. Adjusted net income of $19.3 million, or $0.60 per diluted share; adjusted ROAA of 1.53% and adjusted ROATCE of 19.81%. Noninterest expenses decreased 0.9% vs Q3 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 11:11:13.058+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "be575400-24c8-4a88-8a2d-29770f636595", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.75, "x": 0.13, "y": 0.91 }, "kind": "source-note", "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": { "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 11:11:13.058+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4f4882c7-e4f4-41b5-a1e0-b107b3380b5b", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.29, "x": 0.075, "y": 0.08 }, "kind": "title", "text": "Q4 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 11:11:13.058+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "43e3488b-2411-4c46-89c4-50d5e1e53cbb", "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": "5162fa12-21a2-46ab-9c7f-6075ef719e68", "evidence": "list/bullet: Strong profitability: Net income of $18.4 million, or $0.58 per diluted share; ROAA of 1.46% and ROATCE of 18.96%. Adjusted net income of $19.3 million, or $0.60 per diluted share; adjusted ROAA of 1.53%", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 00:41:23.090477+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": [ { "to": 4, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 1, "name": "Humble Origins", "beatId": "ea34e3ef-588f-4a54-a122-ba4d0045860e", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Humble Origins", "slug": "rags-to-riches-humble-origins", "status": "active", "canonId": "019dd9b8-4938-7404-a51e-be10eff8a9d5", "version": 1, "description": null }, "evidence": "Company snapshot and history", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. Almost every arc opens here." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 4, "type": "setup", "title": "The slide uses a standard investor relations 'snapshot' format, combining qualitative bullet points with quantitative financial tables and donut charts.", "function": "summarize", "rawType": "executive_summary", "block": null, "metadata": { "slideType": "executive_summary", "slideTypeCanon": { "name": "Executive summary", "slug": "executive_summary", "status": "active", "canonId": "019de52d-06be-73ff-81b3-f99fe7f0025e", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 75, "componentCount": 6, "textChars": 538, "nDataPoints": 84, "notes": "The slide uses a standard investor relations 'snapshot' format, combining qualitative bullet points with quantitative financial tables and donut charts.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:13.302+00", "seconds": 3.549, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/4", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-4", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.25, "w": 0.2, "x": 0.07, "y": 0.55 }, "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 11:11:13.302+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3b9640e7-3d05-412b-81f8-81e9f951fe3e", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.2, "x": 0.3, "y": 0.55 }, "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 11:11:13.302+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "928cfc9a-430b-429f-89c3-be5a58e1217e", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.75, "x": 0.12, "y": 0.86 }, "kind": "disclaimer", "text": "Note: Financial data as of and for the three months ended December 31, 2023 unless otherwise indicated; * Annualized measure; 1 Non-GAAP financial measure.", "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 11:11:13.302+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7c083b01-a7db-40e6-9c26-af0ff5287b8f", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.4, "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.", "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 11:11:13.302+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "23f21ce4-b4f7-4100-bef6-46dcc6b30b7d", "parentComponentId": null }, { "bbox": { "h": 0.7, "w": 0.42, "x": 0.51, "y": 0.14 }, "kind": "table", "text": "Financial Highlights table showing Balance Sheet, KPI, and Credit metrics from 2020-2023.", "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 11:11:13.302+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ac1f162a-8a21-41c7-a16f-275b42728645", "parentComponentId": null }, { "bbox": { "h": 0.03, "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 11:11:13.302+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d1f89ec9-c1a5-45a6-82c3-883a3359efc5", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Executive summary", "slug": "executive-summary", "status": "active", "bestFor": null, "canonId": "019dd9e1-4b63-72d5-9734-da757d91ca61", "version": 1, "bodyDocId": null, "description": "A condensed view of the entire argument on a single slide / block.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "a05e8030-1385-4475-bfec-2369320d1e02", "evidence": "Company Snapshot", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 00:41:23.177589+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 4, "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": "852af826-9c76-4a20-a295-caebafa6e593", "evidence": "Financial Highlights table showing Balance Sheet, KPI, and Credit metrics from 2020-2023", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 00:41:23.220504+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 4, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 1, "name": "Humble Origins", "beatId": "ea34e3ef-588f-4a54-a122-ba4d0045860e", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Humble Origins", "slug": "rags-to-riches-humble-origins", "status": "active", "canonId": "019dd9b8-4938-7404-a51e-be10eff8a9d5", "version": 1, "description": null }, "evidence": "Company snapshot and history", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. Almost every arc opens here." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 5, "type": "analysis", "title": "Includes a waterfall chart for NIM analysis and a detailed income statement table.", "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": 61, "componentCount": 5, "textChars": 413, "nDataPoints": 40, "notes": "Includes a waterfall chart for NIM analysis and a detailed income statement table.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:12.599+00", "seconds": 2.727, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/5", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-5", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.25, "w": 0.52, "x": 0.24, "y": 0.62 }, "kind": "chart", "text": "4Q23 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 11:11:12.599+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7144eee7-b7b9-404d-8487-c4ba49cbbf05", "parentComponentId": null }, { "bbox": { "h": 0.4, "w": 0.32, "x": 0.605, "y": 0.15 }, "kind": "list", "text": "Highlights Relative to Previous Quarter: Net interest income decreased, NIM decreased, increased reserves, adjusted noninterest income increased, noninterest expense decreased.", "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 11:11:12.599+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7781a68f-5f28-4cc8-9337-7bdd44af4c8f", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.73, "x": 0.135, "y": 0.91 }, "kind": "source-note", "text": "* Annualized measures; 1 Non-GAAP financial measure... 2 Reflects contribution of loan interest income...", "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 11:11:12.599+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "14c7257b-3522-4a51-b756-26c3c66145ad", "parentComponentId": null }, { "bbox": { "h": 0.4, "w": 0.59, "x": 0.075, "y": 0.15 }, "kind": "table", "text": "Income statement table comparing 3Q23 and 4Q23 with GAAP and non-GAAP adjustments.", "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 11:11:12.599+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "136d36fe-7979-457e-b38b-7f639830209d", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.295, "x": 0.075, "y": 0.085 }, "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 11:11:12.599+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "af0b23c8-0132-42bd-a09c-a8368e86cc1e", "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": "00ea31de-c8c6-4365-b4ba-9467a2c0ce62", "evidence": "4Q23 NIM Analysis waterfall chart", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:41:23.30766+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": "5716ea5c-c216-4cd7-8b16-030d713e1547", "evidence": "NIM analysis chart", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:11:12.599+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "frameworkName": "waterfall-bridge" } ], "arcBeats": [ { "to": 9, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 5, "name": "Early Struggles", "beatId": "a093ab1e-ca5d-4c80-bc49-58e9a025c6cf", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Early Struggles", "slug": "rags-to-riches-early-struggles", "status": "active", "canonId": "019dd9b8-49ce-74b8-9380-2d085fa29e28", "version": 1, "description": null }, "evidence": "Earnings overview and deposit overview", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 6, "type": "setup", "title": "Includes a table of interest costs and spot rates by deposit type, and a line chart comparing Fed Funds Rate to Cost of Deposits.", "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": 70, "componentCount": 5, "textChars": 704, "nDataPoints": 25, "notes": "Includes a table of interest costs and spot rates by deposit type, and a line chart comparing Fed Funds Rate to Cost of Deposits.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:12.899+00", "seconds": 2.925, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/6", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-6", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.35, "w": 0.5, "x": 0.25, "y": 0.52 }, "kind": "chart", "text": "Deposit Beta (4Q21 to 4Q23): 18.7% showing Fed Funds Rate vs Cost of Deposits.", "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 11:11:12.899+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fa7c8285-81bf-4260-ab3b-7301e084a5cf", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.42, "x": 0.07, "y": 0.15 }, "kind": "list", "text": "Highly granular deposit base with cost increases in line with expectations during the fourth quarter of 2023. Top 100 depositors, by balance, make up 13% of our deposit base, and the top 200 depositors make up 16%.", "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 11:11:12.899+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "61f09bdc-ab3d-4e71-be40-3147aecc3f79", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.75, "x": 0.13, "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 11:11:12.899+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2a2e2502-ecdc-4039-be4d-c87dd22ab62a", "parentComponentId": null }, { "bbox": { "h": 0.28, "w": 0.42, "x": 0.51, "y": 0.15 }, "kind": "table", "text": "Interest-bearing demand, Money market, Savings, Time, Brokered, Total interest-bearing deposits, Total deposits with corresponding Interest Costs and Spot Interest Rates.", "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 11:11:12.899+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6ccf366e-037a-4e4c-8c6e-f162b554c2c7", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.28, "x": 0.07, "y": 0.08 }, "kind": "title", "text": "Deposit 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 11:11:12.899+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6dae71ae-a0b5-4be0-bec4-3217e03f9392", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 5, "name": "Early Struggles", "beatId": "a093ab1e-ca5d-4c80-bc49-58e9a025c6cf", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Early Struggles", "slug": "rags-to-riches-early-struggles", "status": "active", "canonId": "019dd9b8-49ce-74b8-9380-2d085fa29e28", "version": 1, "description": null }, "evidence": "Earnings overview and deposit overview", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 7, "type": "analysis", "title": "Includes breakdown of FTE NIM, GAAP NIM, and contributions from 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": 650, "nDataPoints": 45, "notes": "Includes breakdown of FTE NIM, GAAP NIM, and contributions from 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 11:11:12.617+00", "seconds": 2.507, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/7", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-7", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.45, "w": 0.42, "x": 0.52, "y": 0.4 }, "kind": "chart", "text": "Quarterly NIM trends", "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 11:11:12.617+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "615102de-768d-42a0-afe7-e0e73eec4e85", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.42, "x": 0.07, "y": 0.4 }, "kind": "chart", "text": "Annual NIM trends", "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 11:11:12.617+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f8fd1991-e2c9-4ea8-b4ae-15c17debb3f8", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.42, "x": 0.52, "y": 0.14 }, "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 11:11:12.617+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "de1379cb-619f-4e07-9c3e-b2076a90d882", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.42, "x": 0.07, "y": 0.14 }, "kind": "list", "text": "Fourth quarter 2023 net interest margin decreased 14 basis points from the prior quarter, primarily attributable to higher funding costs which outpaced an increase in asset yields. 38% of the loan portfolio matures or reprices within the next 12 months. Loan mix is 64% fixed rate and 36% variable rate, and 71% 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 11:11:12.617+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "930a62b3-87c1-44f7-b442-6486f4c1bf42", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.87, "x": 0.07, "y": 0.88 }, "kind": "source-note", "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": "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 11:11:12.617+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "21c15468-e169-4695-a193-31d006f82ddd", "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 11:11:12.617+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "10ce20ba-0125-400f-b7be-5f5979e75954", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 5, "name": "Early Struggles", "beatId": "a093ab1e-ca5d-4c80-bc49-58e9a025c6cf", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Early Struggles", "slug": "rags-to-riches-early-struggles", "status": "active", "canonId": "019dd9b8-49ce-74b8-9380-2d085fa29e28", "version": 1, "description": null }, "evidence": "Earnings overview and deposit overview", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 8, "type": "analysis", "title": "The slide uses two pie charts to visualize the composition of two distinct loan portfolios.", "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": 94, "componentCount": 10, "textChars": 1058, "nDataPoints": 24, "notes": "The slide uses two pie charts to visualize the composition of two distinct loan portfolios.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:14.014+00", "seconds": 3.876, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/8", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-8", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.4, "w": 0.43, "x": 0.07, "y": 0.48 }, "kind": "chart", "text": "Commercial Loan Portfolio Segmentation", "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 11:11:14.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ea814ace-5a39-461c-9d3c-47dc8b596fee", "parentComponentId": null }, { "bbox": { "h": 0.4, "w": 0.43, "x": 0.55, "y": 0.48 }, "kind": "chart", "text": "Commercial Real Estate Portfolio Segmentation", "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 11:11:14.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "eaf47093-37b2-40db-949f-34edc526a477", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.43, "x": 0.55, "y": 0.18 }, "kind": "list", "text": "$1.66 billion portfolio as of December 31, 2023. $881 million in non-owner occupied CRE. $364 million in construction and land development. $418 million in multi-family loans.", "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 11:11:14.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7e1c5e62-020c-4245-a927-1db26f4f94e6", "parentComponentId": null }, { "bbox": { "h": 0.1, "w": 0.43, "x": 0.07, "y": 0.34 }, "kind": "list", "text": "$296 million owner-occupied CRE outstanding as of December 31, 2023. Primarily underwritten based on cash flow of the business occupying the property and supported by personal guarantees.", "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 11:11:14.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "842aa039-8d84-4a43-9b56-709f750a14bc", "parentComponentId": null }, { "bbox": { "h": 0.1, "w": 0.43, "x": 0.55, "y": 0.34 }, "kind": "list", "text": "Office CRE exposure characterized by solid credit metrics as of December 31, 2023 with only 2.0% rated pass-watch, less than 0.1% rated substandard, and less than 0.1% past due 30 days or more.", "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 11:11:14.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b96331bc-f783-49b0-9045-05a87ca17f34", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.43, "x": 0.07, "y": 0.18 }, "kind": "list", "text": "$428 million C&I loans outstanding as of December 31, 2023. For working capital, asset acquisition, and other business purposes. Underwritten primarily based on borrower's cash flow and majority further supported by collateral and personal guarantees.", "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 11:11:14.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f0fef72b-f857-49fd-8e2a-2d84a29f4f93", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.33, "x": 0.63, "y": 0.15 }, "kind": "paragraph", "text": "Commercial Real Estate Portfolio", "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 11:11:14.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "49c3a3ce-c3ff-47ea-a1fb-d3dca6f9962c", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.33, "x": 0.15, "y": 0.15 }, "kind": "paragraph", "text": "Commercial Loan Portfolio", "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 11:11:14.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "77dfed80-183d-4784-bc85-92fe98e49084", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.25, "x": 0.15, "y": 0.95 }, "kind": "source-note", "text": "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 11:11:14.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e30c69c2-d00a-4b20-ab58-e1c234b78cce", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.86, "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 11:11:14.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "80ea6f42-5d92-4c0d-a76b-2dc63770c967", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 5, "name": "Early Struggles", "beatId": "a093ab1e-ca5d-4c80-bc49-58e9a025c6cf", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Early Struggles", "slug": "rags-to-riches-early-struggles", "status": "active", "canonId": "019dd9b8-49ce-74b8-9380-2d085fa29e28", "version": 1, "description": null }, "evidence": "Earnings overview and deposit overview", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 9, "type": "analysis", "title": "The slide uses two pie charts to visualize the internal composition of the two highlighted loan portfolios.", "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": 56, "componentCount": 5, "textChars": 341, "nDataPoints": 16, "notes": "The slide uses two pie charts to visualize the internal composition of the two highlighted loan portfolios.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:12.63+00", "seconds": 2.435, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/9", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-9", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.35, "w": 0.3, "x": 0.58, "y": 0.58 }, "kind": "chart", "text": "Municipal, Consumer and Other 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 11:11:12.63+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "563b77e7-756b-4d94-b50c-0fbeb88c2262", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.3, "x": 0.12, "y": 0.58 }, "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 11:11:12.63+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cf692a65-6d9d-4713-8c61-2ade88475c7f", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.4, "x": 0.08, "y": 0.18 }, "kind": "list", "text": "Agriculture and Farmland details including $287M total, LTV, and risk ratings.", "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 11:11:12.63+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "86a36c74-bd63-49c6-805b-3fb033c6954e", "parentComponentId": null }, { "bbox": { "h": 0.4, "w": 0.4, "x": 0.54, "y": 0.18 }, "kind": "list", "text": "Municipal, Consumer and Other details including $239M total, sub-segments, and risk ratings.", "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 11:11:12.63+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9aee4a75-8027-49e2-9856-2dc2ab211568", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.5, "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 11:11:12.63+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b57a035c-94a8-47bb-b044-3f3e0a6219f0", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 9, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 5, "name": "Early Struggles", "beatId": "a093ab1e-ca5d-4c80-bc49-58e9a025c6cf", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Early Struggles", "slug": "rags-to-riches-early-struggles", "status": "active", "canonId": "019dd9b8-49ce-74b8-9380-2d085fa29e28", "version": 1, "description": null }, "evidence": "Earnings overview and deposit overview", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 10, "type": "analysis", "title": "The slide uses a waterfall chart to bridge the ACL balance between two quarters.", "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": 75, "componentCount": 6, "textChars": 566, "nDataPoints": 24, "notes": "The slide uses a waterfall chart to bridge the ACL balance between two quarters.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:12.983+00", "seconds": 2.726, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/10", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-10", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.35, "w": 0.85, "x": 0.07, "y": 0.14 }, "kind": "chart", "text": "4Q23 ACL on Loans 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 11:11:12.983+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "384e841b-cbb0-4ae6-b86c-0fa917a05160", "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, ACL/Loans ratio, and committee governance.", "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 11:11:12.983+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d0324642-5b33-4cd5-b5f0-fc7a5944f787", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.45, "x": 0.07, "y": 0.74 }, "kind": "paragraph", "text": "ACL on Unfunded Commitments: ACL on unfunded lending-related commitments decreased by $0.5 million to $3.8 million during the fourth quarter of 2023", "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 11:11:12.983+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4b04c42f-7310-4159-8668-535520ffd92e", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.38, "x": 0.54, "y": 0.77 }, "kind": "source-note", "text": "Includes $2.6 million of loans that are wholly or partially guaranteed by the U.S. Government as of December 31, 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 11:11:12.983+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5e085a67-6775-4874-9722-92d0b26b5430", "parentComponentId": null }, { "bbox": { "h": 0.2, "w": 0.38, "x": 0.54, "y": 0.55 }, "kind": "table", "text": "Watch List and Nonaccrual Loans table showing Pass-Watch, Substandard, and Nonaccrual categories.", "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 11:11:12.983+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "273406e3-f8fd-4df1-8a2a-0158e0a0be0b", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.45, "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 11:11:12.983+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6efa0d06-b56e-40e8-bd85-27a72c648a11", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Waterfall / value bridge", "slug": "waterfall-bridge", "status": "active", "bestFor": null, "canonId": "019de52d-19c5-727e-8889-b0b361655fca", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "1b2fd806-d78d-47b0-8459-6dbd1b0b0e4b", "evidence": "4Q23 ACL on Loans Activity ($000)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 00:41:23.56617+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": [ { "matchId": "f95909cd-2773-49f6-afaf-8e87f260c1c5", "evidence": "The chart visualizes the change in ACL balance from 3Q23 to 4Q23 through intermediate adjustments.", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:11:12.983+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 10, "frameworkName": "waterfall-bridge" } ], "arcBeats": [ { "to": 14, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 10, "name": "Rising Success", "beatId": "71b4744a-92d5-4400-a406-0d7cf82274a3", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Rising Success", "slug": "rags-to-riches-rising-success", "status": "active", "canonId": "019dd9b8-4b41-72fa-a0c3-6e8fd75a9278", "version": 1, "description": null }, "evidence": "Loan portfolio overview and near-term outlook", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Development", "slug": "development", "status": "active", "canonId": "019dd9b8-0332-7008-b3aa-11b0840a57b1", "version": 1, "description": "The middle stretch in arcs that have one. Often where length problems creep in." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 11, "type": "analysis", "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": 391, "nDataPoints": 15, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:12.986+00", "seconds": 2.703, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/11", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-11", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.55, "w": 0.85, "x": 0.074, "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 11:11:12.986+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "931b0d27-eb97-406e-910f-b820976984bf", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.4, "x": 0.074, "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 11:11:12.986+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "052c12bc-ca10-4b36-a218-04334d522e6e", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.4, "x": 0.52, "y": 0.16 }, "kind": "list", "text": "Agricultural Services: Farm management services (76k 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 11:11:12.986+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "57795970-45d5-4132-b7a1-1fd8376595cb", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.6, "x": 0.19, "y": 0.34 }, "kind": "source-note", "text": "Over $2.3 billion of assets under management or administration as of December 31, 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 11:11:12.986+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7c10f4d8-be0e-4f40-8aa1-aba8fe9422b8", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.43, "x": 0.074, "y": 0.085 }, "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 11:11:12.986+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9688f94a-4852-46c2-b5aa-68ab4a5c8b37", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 14, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 10, "name": "Rising Success", "beatId": "71b4744a-92d5-4400-a406-0d7cf82274a3", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Rising Success", "slug": "rags-to-riches-rising-success", "status": "active", "canonId": "019dd9b8-4b41-72fa-a0c3-6e8fd75a9278", "version": 1, "description": null }, "evidence": "Loan portfolio overview and near-term outlook", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Development", "slug": "development", "status": "active", "canonId": "019dd9b8-0332-7008-b3aa-11b0840a57b1", "version": 1, "description": "The middle stretch in arcs that have one. Often where length problems creep in." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 12, "type": "analysis", "title": "Includes a table of AFS/HTM metrics and a pie chart showing portfolio composition by asset type and book yield.", "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": 575, "nDataPoints": 35, "notes": "Includes a table of AFS/HTM metrics and a pie chart showing portfolio composition by asset type and book yield.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:13.103+00", "seconds": 2.679, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/12", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-12", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.45, "w": 0.42, "x": 0.51, "y": 0.41 }, "kind": "chart", "text": "Portfolio Composition pie chart showing allocation percentages and book yields for Corporate, U.S. Treasury, U.S. Gov't Agency, Municipal, and Agency RMBS/CMBS.", "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 11:11:13.103+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3d705f1c-f3be-4da4-b419-fd7f9497efad", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.43, "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 Debentures, Corporate Bonds.", "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 11:11:13.103+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0fe3dfab-0b18-458c-8731-9031a421846c", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.22, "x": 0.61, "y": 0.87 }, "kind": "metric", "text": "Amortized Cost: $1,353mm; Book Yield: 2.26%", "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 11:11:13.103+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c341dab2-6229-435d-98f8-5ed01f29a541", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.42, "x": 0.51, "y": 0.15 }, "kind": "table", "text": "Key Investment Portfolio Metrics table showing Amortized Cost, Unrealized Gain/Loss, Fair Value, Book Yield, and Effective Duration for AFS and HTM categories.", "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 11:11:13.103+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f549c4bd-00ef-416b-9843-1ca0e64a4415", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.35, "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 11:11:13.103+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2f38a3b7-1fa9-48b6-9b51-736157943d2a", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 14, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 10, "name": "Rising Success", "beatId": "71b4744a-92d5-4400-a406-0d7cf82274a3", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Rising Success", "slug": "rags-to-riches-rising-success", "status": "active", "canonId": "019dd9b8-4b41-72fa-a0c3-6e8fd75a9278", "version": 1, "description": null }, "evidence": "Loan portfolio overview and near-term outlook", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Development", "slug": "development", "status": "active", "canonId": "019dd9b8-0332-7008-b3aa-11b0840a57b1", "version": 1, "description": "The middle stretch in arcs that have one. Often where length problems creep in." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 13, "type": "analysis", "title": "Includes two bar charts showing historical capital ratios and a table detailing liquidity sources.", "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": 73, "componentCount": 6, "textChars": 525, "nDataPoints": 18, "notes": "Includes two bar charts showing historical capital ratios and a table detailing liquidity sources.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:13.515+00", "seconds": 3.048, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/13", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-13", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.3, "w": 0.4, "x": 0.08, "y": 0.15 }, "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 11:11:13.515+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "70a7342e-1334-418b-b646-d8f7f713b19f", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.4, "x": 0.08, "y": 0.5 }, "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 11:11:13.515+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "da38b24a-0426-4362-a29a-be38642b8592", "parentComponentId": null }, { "bbox": { "h": 0.4, "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 11:11:13.515+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0b2570da-fd18-4aea-8ed4-2b422dca530f", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.8, "x": 0.14, "y": 0.9 }, "kind": "source-note", "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. Additional capacity of approximately $381 million would be available by pledging additional eligible loans.", "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 11:11:13.515+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b1edabd5-a12a-4e90-b9d9-d20b3b1b19bb", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.45, "x": 0.5, "y": 0.6 }, "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 11:11:13.515+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "db62f0f3-bc82-4a69-808a-b8d8e9716428", "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 11:11:13.515+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "45216592-2577-4e21-8fba-b697ebc300ea", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 14, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 10, "name": "Rising Success", "beatId": "71b4744a-92d5-4400-a406-0d7cf82274a3", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Rising Success", "slug": "rags-to-riches-rising-success", "status": "active", "canonId": "019dd9b8-4b41-72fa-a0c3-6e8fd75a9278", "version": 1, "description": null }, "evidence": "Loan portfolio overview and near-term outlook", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Development", "slug": "development", "status": "active", "canonId": "019dd9b8-0332-7008-b3aa-11b0840a57b1", "version": 1, "description": "The middle stretch in arcs that have one. Often where length problems creep in." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 14, "type": "setup", "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": 45, "componentCount": 2, "textChars": 1225, "nDataPoints": 3, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:13.396+00", "seconds": 2.902, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/14", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-14", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.7, "w": 0.85, "x": 0.075, "y": 0.165 }, "kind": "list", "text": "Total loans are expected to be flat to down slightly in 1Q24, but we expect loans to grow by low to mid-single digits year-over-year during 2024. Deposit outflows have largely subsided, but movement into higher cost products is expected to continue. Investment portfolio is expected to average approximately $33 million of principal cash flows a quarter during 2024 with proceeds used to fund loan growth, decrease wholesale funding, or be reinvested into the securities portfolio. NIM is expected to continue to decline modestly during 1Q24, and flatten in 2Q24 to 3Q24 based on the current interest rate outlook and liquidity position. Noninterest income during 2024 is expected to grow in low single digits from 4Q23. Noninterest expense should remain between $31 million and $32 million per quarter for 2024. Asset quality expected to remain solid, although increasing unemployment and a declining economy, if any were to occur, could cause increased provisions. Stock repurchase program will continue to be used opportunistically with $15 million available under the current plan through January 1, 2025. Current capital levels and stock valuation compared to peers support M&A if an opportunity arises.", "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 11:11:13.396+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4aa58e87-0f7a-4115-8b87-d69dfd59ac1f", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.295, "x": 0.075, "y": 0.085 }, "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 11:11:13.396+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fcef3605-28e2-451f-a4d5-f763993c46af", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 14, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 10, "name": "Rising Success", "beatId": "71b4744a-92d5-4400-a406-0d7cf82274a3", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Rising Success", "slug": "rags-to-riches-rising-success", "status": "active", "canonId": "019dd9b8-4b41-72fa-a0c3-6e8fd75a9278", "version": 1, "description": null }, "evidence": "Loan portfolio overview and near-term outlook", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Development", "slug": "development", "status": "active", "canonId": "019dd9b8-0332-7008-b3aa-11b0840a57b1", "version": 1, "description": "The middle stretch in arcs that have one. Often where length problems creep in." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 15, "type": "setup", "title": "The timeline uses a split-level design to accommodate multiple events per decade.", "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": 305, "nDataPoints": 1, "notes": "The timeline uses a split-level design to accommodate multiple events per decade.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.914+00", "seconds": 5.417, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/15", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-15", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.605, "w": 0.915, "x": 0.074, "y": 0.215 }, "kind": "diagram", "text": "Chronological timeline of events 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 11:11:15.914+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fa49b795-df7d-44f4-b507-39f6845ac83b", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.88, "x": 0.074, "y": 0.895 }, "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": 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 11:11:15.914+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a9814eea-65c2-4986-8307-9aeb6802da72", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.826, "x": 0.074, "y": 0.085 }, "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 11:11:15.914+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7ae0768d-fa5b-431b-a68d-2983ed19cd85", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [ { "matchId": "c4f9b34d-2ede-47a7-81ea-f0bcaca29c8e", "evidence": "Chronological sequence of events", "framework": null, "confidence": 0.6, "extraction": { "at": "2026-05-02 11:11:15.914+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 15, "frameworkName": "gantt-chart" } ], "arcBeats": [ { "to": 19, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 15, "name": "The Breakthrough", "beatId": "e92992f2-a0f9-49ee-95b0-3080241a46dd", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "The Breakthrough", "slug": "rags-to-riches-the-breakthrough", "status": "active", "canonId": "019dd9b8-4ab3-73dd-aeb6-bf930dcb0353", "version": 1, "description": null }, "evidence": "History of organic and acquisitive growth and experienced management team", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 16, "type": "setup", "function": "establish_context", "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": "establish_context", "functionCanon": { "name": "Establish context", "slug": "establish_context", "status": "active", "canonId": "019de52d-1314-74e6-9074-d213dc0bdcdf", "version": 1, "description": null }, "density": "dense", "densityScore": 53, "componentCount": 6, "textChars": 170, "nDataPoints": 12, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:13.118+00", "seconds": 2.612, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/16", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-16", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.2, "w": 0.2, "x": 0.7, "y": 0.15 }, "kind": "chart", "text": "Deposits breakdown", "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 11:11:13.118+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1f5a5f45-f9a6-4e59-9b36-2c433a39aeb8", "parentComponentId": null }, { "bbox": { "h": 0.2, "w": 0.2, "x": 0.7, "y": 0.4 }, "kind": "chart", "text": "Loans breakdown", "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 11:11:13.118+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "51845bfe-6805-444a-8141-3a688e5a46b0", "parentComponentId": null }, { "bbox": { "h": 0.2, "w": 0.2, "x": 0.7, "y": 0.65 }, "kind": "chart", "text": "Full-Service Branches breakdown", "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 11:11:13.118+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "60dd3bdd-c05a-4a59-a604-17e3e0f70ee3", "parentComponentId": null }, { "bbox": { "h": 0.51, "w": 0.58, "x": 0.075, "y": 0.18 }, "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 11:11:13.118+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "677e99c6-9138-4d32-9750-7d85a9648fc4", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.35, "x": 0.075, "y": 0.89 }, "kind": "source-note", "text": "Source: S&P Capital IQ; Financial data as of December 31, 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 11:11:13.118+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f40949dc-4239-4fb2-9580-3c3de8af9479", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.22, "x": 0.075, "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 11:11:13.118+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fa0437f0-435a-4877-a6d9-24bddf9ffc5b", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 15, "name": "The Breakthrough", "beatId": "e92992f2-a0f9-49ee-95b0-3080241a46dd", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "The Breakthrough", "slug": "rags-to-riches-the-breakthrough", "status": "active", "canonId": "019dd9b8-4ab3-73dd-aeb6-bf930dcb0353", "version": 1, "description": null }, "evidence": "History of organic and acquisitive growth and experienced management team", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [], "locked": true }, { "page": 17, "type": "setup", "title": "Uses a process-style arrow diagram to outline 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": 79, "componentCount": 8, "textChars": 447, "nDataPoints": 12, "notes": "Uses a process-style arrow diagram to outline strategic pillars.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:13.656+00", "seconds": 3.129, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/17", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-17", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.1, "w": 0.86, "x": 0.07, "y": 0.2 }, "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 11:11:13.656+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "13f4f763-8446-429e-a6b3-884a60d60e41", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.2, "x": 0.73, "y": 0.31 }, "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 11:11:13.656+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ded6d295-0252-433a-82ea-6d0923abc059", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.2, "x": 0.51, "y": 0.31 }, "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 11:11:13.656+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f46c2b6d-9517-4fbf-a9de-4110f771e42c", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.2, "x": 0.07, "y": 0.31 }, "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 11:11:13.656+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f551e41f-265f-430e-b56f-6afa08dc413b", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.2, "x": 0.29, "y": 0.31 }, "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 11:11:13.656+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fc10255f-dc6b-4bdd-9d60-08c0a5882101", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.92, "x": 0.07, "y": 0.87 }, "kind": "source-note", "text": "Source: S&P Capital IQ, data as of June 30, 2023; Includes merger with Lincoln S.B. Corp in 2018...", "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 11:11:13.656+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5ff95c09-6597-4a8b-a747-8d3e99b58319", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.48, "x": 0.07, "y": 0.14 }, "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 11:11:13.656+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1f89ad07-80b6-40bf-be3f-7166a10249c6", "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 11:11:13.656+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "dbf475e8-6034-434a-8bb2-ffc6a7aefe0f", "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": "dbda8d41-6056-4777-a34a-f647e8c956cd", "evidence": "The slide contains a four-pillar strategic framework diagram, which could be interpreted as a 2x2 matrix.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.5, "extraction": { "at": "2026-07-17 00:41:28.054893+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Action Titles", "slug": "action-titles", "status": "active", "bestFor": "Any decision-grade deliverable — strategy recommendation, board update, investment memo, M&A review, post-mortem — where the reader is being asked to agree, decide, or act and will skim the title bar at speed.", "canonId": "019dd956-ac70-700b-a608-ba58e78f5dcc", "version": 1, "bodyDocId": "816dad3c-9983-41c1-a86e-978ebd582841", "description": "The McKinsey-bred discipline of writing every slide title as a complete declarative sentence with a verb and an insight, not a topic label. Each title is a sub-claim that ladders up to the deck's governing thought; read in sequence, the titles reconstruct the executive summary.", "familyLabel": null, "categoryName": "Slide", "categorySlug": "slide" }, "agent": "Architect", "layer": "slide", "agents": [ "Architect" ], "matchId": "6efb88e8-024a-46d5-98c7-7aa5ffc6540e", "evidence": "The slide contains an action title, 'Small enough to know you, big enough to serve you'.", "pageRefs": null, "priority": "Core", "whenToUse": "Any decision-grade deliverable — strategy recommendation, board update, investment memo, M&A review, post-mortem — where the reader is being asked to agree, decide, or act and will skim the title bar at speed.", "confidence": 0.7, "extraction": { "at": "2026-07-17 00:41:28.011124+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "whyItWorks": "Solves two failure modes at once. (1) The buried claim: action titles place the conclusion on the page before any analysis is read, so a busy reader doesn't reverse-engineer it from the chart. (2) The spineless deck: because each title is a claim, slides have to ladder up to the governing thought; logical gaps become visible as topic-shaped titles in a sequence that no longer reads as a story.", "antipattern": "Topic labels disguised as titles — Volume by quarter, Key findings, Pricing strategy, Margins have been impacted. No verb, or a passive verb with no agent, or a fact (Revenue grew 12%) without the so-what. Also: titles that overreach the chart's evidence, multi-claim X-grew-but-Y-fell welded titles, and mechanical repetition of the same X-drove-Y template across the deck.", "cardinality": null, "narrativePurpose": "Forces the deck to carry its argument in the title bar so a senior reader can extract the recommendation without opening a single slide; converts a binder of topics into a navigable pyramid where every slide is a node defending the apex." } ], "frameworks": [ { "matchId": "4c96e6ca-3248-4467-a139-2387b67dcdff", "evidence": "Four-step arrow diagram representing strategic pillars", "framework": null, "confidence": 0.9, "extraction": { "at": "2026-05-02 11:11:13.656+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "frameworkName": "process" } ], "arcBeats": [ { "to": 19, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 15, "name": "The Breakthrough", "beatId": "e92992f2-a0f9-49ee-95b0-3080241a46dd", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "The Breakthrough", "slug": "rags-to-riches-the-breakthrough", "status": "active", "canonId": "019dd9b8-4ab3-73dd-aeb6-bf930dcb0353", "version": 1, "description": null }, "evidence": "History of organic and acquisitive growth and experienced management team", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "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": "overcrowded", "densityScore": 92, "componentCount": 15, "textChars": 768, "nDataPoints": 14, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.415+00", "seconds": 4.568, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/18", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-18", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.14, "w": 0.112, "x": 0.223, "y": 0.179 }, "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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0e1b4adb-f490-46f1-afe4-b9dd5bf37864", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.112, "x": 0.443, "y": 0.179 }, "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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5c5b4d6c-e4b2-4a0a-93a5-134fc44a0770", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.112, "x": 0.553, "y": 0.535 }, "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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "61133fa6-a846-42dc-82ec-bbf9c23f33a1", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.112, "x": 0.768, "y": 0.535 }, "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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8d955f43-a3ca-41c3-9ec6-f3861344e9d4", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.112, "x": 0.336, "y": 0.535 }, "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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "94d11747-8e3d-4f26-99c7-5188919bdd10", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.112, "x": 0.12, "y": 0.535 }, "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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "afd2219a-e94f-47c7-b7d2-1079b08befd9", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.112, "x": 0.663, "y": 0.179 }, "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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ff9d998d-52ef-4019-bea5-f0fe3a8822ba", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.14, "x": 0.756, "y": 0.7 }, "kind": "paragraph", "text": "Andrea E. Zurkamer, Chief Risk Officer, 10 years with Company, 23 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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "198ffdd1-780a-4312-b1cd-5f9448c91027", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.14, "x": 0.21, "y": 0.345 }, "kind": "paragraph", "text": "Fred L. Drake, Executive Chairman, 40 years with Company, 43 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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8279cc44-f8eb-4f8e-9516-32dea107ecbe", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.14, "x": 0.324, "y": 0.7 }, "kind": "paragraph", "text": "Diane H. Lanier, Chief Retail Officer, 26 years with Company, 38 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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c1dd96a2-8a87-4479-92f6-c97f922b1ad2", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.16, "x": 0.64, "y": 0.345 }, "kind": "paragraph", "text": "Peter Chapman, Chief Financial Officer, Joined HBT in Oct. 2022, 30 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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c6aa8d70-135e-45a0-911c-972b43ec6bc6", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.14, "x": 0.541, "y": 0.7 }, "kind": "paragraph", "text": "Mark W. Scheirer, Chief Credit Officer, 12 years with Company, 31 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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c7827585-45b1-4daf-9171-223d37f33969", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.16, "x": 0.42, "y": 0.345 }, "kind": "paragraph", "text": "J. Lance Carter, President and Chief Executive Officer, 22 years with Company, 30 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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d9220376-b42f-4851-863a-b8e2d7965c0f", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.14, "x": 0.108, "y": 0.7 }, "kind": "paragraph", "text": "Lawrence J. Horvath, Chief Lending Officer, 13 years with Company, 38 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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ed279c25-7b57-46a4-b676-9adc45f5f261", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.85, "x": 0.075, "y": 0.085 }, "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 11:11:15.415+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ae4d4711-fd3d-41df-bc59-c34270a56817", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 15, "name": "The Breakthrough", "beatId": "e92992f2-a0f9-49ee-95b0-3080241a46dd", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "The Breakthrough", "slug": "rags-to-riches-the-breakthrough", "status": "active", "canonId": "019dd9b8-4ab3-73dd-aeb6-bf930dcb0353", "version": 1, "description": null }, "evidence": "History of organic and acquisitive growth and experienced management team", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "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": 27, "componentCount": 3, "textChars": 178, "nDataPoints": 20, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:13.397+00", "seconds": 2.514, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/19", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-19", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.55, "w": 0.84, "x": 0.08, "y": 0.00138 }, "kind": "image", "text": "8 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 11:11:13.397+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c2fff523-80e1-4653-86cd-d10d19c9de0f", "parentComponentId": null }, { "bbox": { "h": 0.55, "w": 0.92, "x": 0.04, "y": 0.0034500000000000004 }, "kind": "list", "text": "Biographical details for each board member 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 11:11:13.397+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "185e0a96-8068-40ad-95b3-34269f08cf27", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.86, "x": 0.07, "y": 0.08 }, "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 11:11:13.397+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d0fb413e-889f-4696-8844-28844209a3b9", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 19, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 15, "name": "The Breakthrough", "beatId": "e92992f2-a0f9-49ee-95b0-3080241a46dd", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "The Breakthrough", "slug": "rags-to-riches-the-breakthrough", "status": "active", "canonId": "019dd9b8-4ab3-73dd-aeb6-bf930dcb0353", "version": 1, "description": null }, "evidence": "History of organic and acquisitive growth and experienced management team", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Turn", "slug": "turn", "status": "active", "canonId": "019dd9b8-0396-702b-ac2f-9901f8dd8b54", "version": 1, "description": "The pivot — solution proposed, catalyst introduced, decision made. Common (15/20 arcs) but not universal: Triple-take, AIDA, PAS, Voyage-return and Pixar substitute it with a strong reflection or development beat." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "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 11:11:13.78+00", "seconds": 2.515, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/20", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-20", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.16, "w": 0.24, "x": 0.083, "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 11:11:13.78+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "72c8a093-89aa-4dc9-9099-df60a6e5e63b", "parentComponentId": null }, { "bbox": { "h": 0.55, "w": 0.55, "x": 0.37, "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 11:11:13.78+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8d5e7446-a081-4bd2-831e-2e6afd535696", "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 11:11:13.78+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9784edbf-1650-46bd-870d-f7f8bf6e81de", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 22, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 20, "name": "Ultimate Achievement", "beatId": "714b9c1b-a99d-4e4d-bb17-3c21f4d8800a", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Ultimate Achievement", "slug": "rags-to-riches-ultimate-achievement", "status": "active", "canonId": "019dd9b8-4bd4-742e-8790-192b9ccb6049", "version": 1, "description": null }, "evidence": "Investment highlights and consistent performance through cycles", "position": 4, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 26, "from": 20, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "b079c13b-6770-448d-9895-2bee24201612", "evidence": "Investment highlights and key messages", "position": 1, "objective": "Funding loan growth opportunities with granular, low-cost deposit base", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.336014+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 21, "type": "evidence", "title": "The chart shows a significant spike in 2012 for the company, with an adjusted line to account for non-recurring items.", "function": "analyze_data", "rawType": "before_after", "block": null, "metadata": { "slideType": "before_after", "slideTypeCanon": { "name": "Before / after", "slug": "before_after", "status": "active", "canonId": "019de52d-11fd-771e-bb45-e27f849bc560", "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": 60, "componentCount": 5, "textChars": 378, "nDataPoints": 54, "notes": "The chart shows a significant spike in 2012 for the company, with an adjusted line to account for non-recurring items.", "elementsJson": null, "confidence": 0.95, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:14.614+00", "seconds": 3.135, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/21", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-21", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.55, "x": 0.38, "y": 0.76 }, "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 11:11:14.614+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "16a28ab1-e2c6-4ff4-9b84-e62707ddb1ef", "parentComponentId": null }, { "bbox": { "h": 0.55, "w": 0.5, "x": 0.45, "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 11:11:14.614+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "60df7135-a9f7-46cb-8f07-176811a5175b", "parentComponentId": null }, { "bbox": { "h": 0.5, "w": 0.35, "x": 0.08, "y": 0.23 }, "kind": "list", "text": "1. Strong, granular, 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 11:11:14.614+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3b769634-4285-4f49-8489-d9d7fd02de72", "parentComponentId": null }, { "bbox": { "h": 0.1, "w": 0.88, "x": 0.07, "y": 0.82 }, "kind": "source-note", "text": "Source: S&P Capital IQ as available on January 11, 2024; ...", "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 11:11:14.614+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "845a3be3-2540-4203-8145-05bbc88dcba8", "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 11:11:14.614+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c554a0b8-38a8-405f-a808-95211e82c7b8", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [ { "matchId": "ee3956ee-2f80-4cc5-9fe1-bedcd257d3af", "evidence": "The slide contrasts historical performance drivers with the resulting financial outcome (outperformance).", "framework": null, "confidence": 0.8, "extraction": { "at": "2026-05-02 11:11:14.614+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 21, "frameworkName": "before-after-framing" } ], "arcBeats": [ { "to": 22, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 20, "name": "Ultimate Achievement", "beatId": "714b9c1b-a99d-4e4d-bb17-3c21f4d8800a", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Ultimate Achievement", "slug": "rags-to-riches-ultimate-achievement", "status": "active", "canonId": "019dd9b8-4bd4-742e-8790-192b9ccb6049", "version": 1, "description": null }, "evidence": "Investment highlights and consistent performance through cycles", "position": 4, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 22, "from": 21, "loop": { "name": "21_before_after", "slug": "21-before-after", "status": "active", "bestFor": "Product demos, process improvements, ROI justification", "canonId": "019dd956-6e68-73fd-a295-fe90145c2da8", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Old Way (Pain) -> The Moment of Change -> The New Way (Glory) -> The Measurable Delta", "description": "Show the dramatic contrast between the old way and the new way through side-by-side comparison", "familyLabel": null }, "matchId": "4a64300e-0492-48af-9dbd-2889ea0d9f4e", "evidence": "Before-and-after comparison of financial performance", "position": 0, "objective": "Consistent performance through cycles drives long-term tangible book value growth", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.299752+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } }, { "to": 26, "from": 20, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "b079c13b-6770-448d-9895-2bee24201612", "evidence": "Investment highlights and key messages", "position": 1, "objective": "Funding loan growth opportunities with granular, low-cost deposit base", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.336014+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 22, "type": "analysis", "title": "The slide uses two bar charts to illustrate financial performance metrics over two distinct time periods (2007-2010 and 2017-2023).", "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": "overcrowded", "densityScore": 82, "componentCount": 7, "textChars": 637, "nDataPoints": 24, "notes": "The slide uses two bar charts to illustrate financial performance metrics over two distinct time periods (2007-2010 and 2017-2023).", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:14.596+00", "seconds": 3.031, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/22", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-22", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.08, "w": 0.12, "x": 0.54, "y": 0.52 }, "kind": "callout", "text": "Negative AOCI reduces TBVPS by $1.81 as of 2023", "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 11:11:14.596+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "83dc252a-053a-492b-a585-f4307c8db419", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.18, "x": 0.47, "y": 0.15 }, "kind": "callout", "text": "Town and Country acquisition dilution in 1Q23 estimated to be $0.68 when including acquisition expenses", "attrs": null, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:11:14.596+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fb73e14e-e55e-4cf2-ac02-ff638923094b", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.6, "x": 0.06, "y": 0.15 }, "kind": "chart", "text": "Tangible Book Value Per Share Over Time ($ 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 11:11:14.596+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "503b9508-e634-4f11-9043-9a0e7c1f0be3", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.6, "x": 0.06, "y": 0.55 }, "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 11:11:14.596+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fd5d2e1a-96e4-4c56-8b84-13f423857430", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.9, "x": 0.06, "y": 0.88 }, "kind": "disclaimer", "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": "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 11:11:14.596+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a888ad21-5b75-47f0-9787-01c1ece0af24", "parentComponentId": null }, { "bbox": { "h": 0.7, "w": 0.3, "x": 0.68, "y": 0.15 }, "kind": "list", "text": "From 2007 to IPO, HBT generated 12.0% annual compound growth of TBVPS. Since our IPO in October 2019, TBVPS growth has been more muted... TBVPS increased by $1.10... Through calendar year 2024...", "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 11:11:14.596+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "884211c7-0ca7-4d3e-855d-8db5ca58ca33", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.6, "x": 0.06, "y": 0.07 }, "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 11:11:14.596+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e4a4acce-4e6e-420e-ad89-f85d856dac70", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 22, "arc": { "name": "Rags to Riches", "slug": "rags-to-riches", "status": "active", "bestFor": "Founder stories, IPO roadshows, brand origin", "canonId": "019dd956-63ce-718e-8e61-e46409564085", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Humble Origins -> Early Struggles -> The Breakthrough -> Rising Success -> Ultimate Achievement", "description": null, "familyLabel": null }, "from": 20, "name": "Ultimate Achievement", "beatId": "714b9c1b-a99d-4e4d-bb17-3c21f4d8800a", "matchId": "413fa632-df90-411a-a263-4fb50ec57c1f", "beatType": { "name": "Ultimate Achievement", "slug": "rags-to-riches-ultimate-achievement", "status": "active", "canonId": "019dd9b8-4bd4-742e-8790-192b9ccb6049", "version": 1, "description": null }, "evidence": "Investment highlights and consistent performance through cycles", "position": 4, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.7 } ], "loops": [ { "to": 22, "from": 21, "loop": { "name": "21_before_after", "slug": "21-before-after", "status": "active", "bestFor": "Product demos, process improvements, ROI justification", "canonId": "019dd956-6e68-73fd-a295-fe90145c2da8", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Old Way (Pain) -> The Moment of Change -> The New Way (Glory) -> The Measurable Delta", "description": "Show the dramatic contrast between the old way and the new way through side-by-side comparison", "familyLabel": null }, "matchId": "4a64300e-0492-48af-9dbd-2889ea0d9f4e", "evidence": "Before-and-after comparison of financial performance", "position": 0, "objective": "Consistent performance through cycles drives long-term tangible book value growth", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.299752+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } }, { "to": 26, "from": 20, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "b079c13b-6770-448d-9895-2bee24201612", "evidence": "Investment highlights and key messages", "position": 1, "objective": "Funding loan growth opportunities with granular, low-cost deposit base", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.336014+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 23, "type": "setup", "title": "The slide uses a bar chart for historical cost of deposits and a line chart for deposit beta trends relative to 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": "dense", "densityScore": 51, "componentCount": 4, "textChars": 441, "nDataPoints": 22, "notes": "The slide uses a bar chart for historical cost of deposits and a line chart for deposit beta trends relative to the Fed Funds Rate.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.027+00", "seconds": 3.239, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/23", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-23", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.3, "w": 0.85, "x": 0.08, "y": 0.15 }, "kind": "chart", "text": "Cost of Deposits (%) Remains Consistently Below Peers", "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 11:11:15.027+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b0a73192-db50-408e-b3ee-1a5d7a29d856", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.85, "x": 0.08, "y": 0.55 }, "kind": "chart", "text": "With a Lower Deposit Beta than Peers Since Beginning of Current Interest Rate Tightening Cycle", "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 11:11:15.027+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d8fd6b99-5016-425a-bbf9-33d07aa05b51", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.9, "x": 0.05, "y": 0.86 }, "kind": "source-note", "text": "Source: S&P Capital IQ as available on January 11, 2024; 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%; * 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 11:11:15.027+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b4f40097-a6c9-42e5-956a-3644e2bfc2d1", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.5, "x": 0.05, "y": 0.07 }, "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 11:11:15.027+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c896bfa3-350e-4846-b741-9cff574b4a96", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [ { "matchId": "1c3d8c95-8339-4bc9-bf67-a67d2048e5f9", "evidence": "Compares HBT metrics against a defined peer group median.", "framework": null, "confidence": 0.9, "extraction": { "at": "2026-05-02 11:11:15.027+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 23, "frameworkName": "comparison_frame" } ], "arcBeats": [], "loops": [ { "to": 26, "from": 20, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "b079c13b-6770-448d-9895-2bee24201612", "evidence": "Investment highlights and key messages", "position": 1, "objective": "Funding loan growth opportunities with granular, low-cost deposit base", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.336014+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 24, "type": "setup", "title": "The slide uses a two-column layout to contrast deposit stability with growth potential.", "function": "quantify_opportunity", "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": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 69, "componentCount": 5, "textChars": 724, "nDataPoints": 15, "notes": "The slide uses a two-column layout to contrast deposit stability with growth potential.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:14.561+00", "seconds": 2.688, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/24", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-24", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.25, "w": 0.42, "x": 0.07, "y": 0.17 }, "kind": "list", "text": "Leading Deposit Market Position: Top 2 deposit share rank in 6 of 7 largest Central Illinois markets; long tenured and granular base; proactive outreach; detailed pricing guidance.", "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 11:11:14.561+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "236c3a4b-e15f-45b4-a5b5-217bea3109cf", "parentComponentId": null }, { "bbox": { "h": 0.7, "w": 0.42, "x": 0.52, "y": 0.17 }, "kind": "list", "text": "Loan Growth Opportunities: Chicago MSA (2011 entry, local talent, scale), Central Illinois (acquisitions, resilience, merger benefits), Iowa (2021 entry, 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 11:11:14.561+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "586efcaa-f7fa-47fe-aca7-d32adabae3a7", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.6, "x": 0.14, "y": 0.92 }, "kind": "source-note", "text": "Source: S&P Capital IQ, data as of June 30, 2023; 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 11:11:14.561+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8e58df6d-2486-4063-b5ff-ac880f977866", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.42, "x": 0.07, "y": 0.51 }, "kind": "table", "text": "Deposit Base Characteristics as of 12/31/23: Noninterest-bearing, Interest-bearing demand, Money market, Savings, Time, Total deposits with counts, balances, and ages.", "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 11:11:14.561+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1533595c-556b-476a-beb9-2334dad4570c", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.6, "x": 0.07, "y": 0.07 }, "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 11:11:14.561+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a115e1a6-0fad-4ca0-b310-b442bfc85c47", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [ { "to": 26, "from": 20, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "b079c13b-6770-448d-9895-2bee24201612", "evidence": "Investment highlights and key messages", "position": 1, "objective": "Funding loan growth opportunities with granular, low-cost deposit base", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.336014+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 25, "type": "evidence", "title": "The timeline uses a horizontal line with vertical markers for each acquisition event.", "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": 10, "notes": "The timeline uses a horizontal line with vertical markers for each acquisition event.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.169+00", "seconds": 2.717, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/25", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-25", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.4, "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 11:11:15.169+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "28aeda1e-844d-477f-b751-05e961129c46", "parentComponentId": null }, { "bbox": { "h": 0.05, "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 11:11:15.169+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bc70219a-e71f-4a93-9795-f5257e689640", "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 11:11:15.169+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "978d4f9a-a930-44a6-9420-468dc18ba814", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [ { "matchId": "945b7600-0649-467d-ae42-6f2ac0262205", "evidence": "Visual representation of events over time", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:11:15.169+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 25, "frameworkName": "timeline" } ], "arcBeats": [], "loops": [ { "to": 26, "from": 20, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "b079c13b-6770-448d-9895-2bee24201612", "evidence": "Investment highlights and key messages", "position": 1, "objective": "Funding loan growth opportunities with granular, low-cost deposit base", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.336014+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 26, "type": "setup", "title": "Includes mention of the '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": "overcrowded", "densityScore": 77, "componentCount": 7, "textChars": 531, "nDataPoints": 5, "notes": "Includes mention of the '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 11:11:15.943+00", "seconds": 3.482, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/26", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-26", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.25, "w": 0.4, "x": 0.52, "y": 0.6 }, "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 11:11:15.943+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2f6c2eac-18e1-4e15-998a-2d83892ffc0c", "parentComponentId": null }, { "bbox": null, "kind": "framework", "text": "Three lines of defense model", "attrs": null, "canon": { "kind": { "name": "Framework", "slug": "framework", "status": "active", "canonId": "019de52c-fa18-77c6-b10a-ccb8277ac0fa", "version": 1, "description": "Named conceptual framework instance." }, "tool": null, "subkind": { "name": "Framework instance", "slug": "instance", "status": "active", "canonId": "019de52d-05a2-72af-be0b-7edc60708a03", "version": 1, "description": null }, "framework": null }, "subkind": "instance", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 11:11:15.943+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "40fcea07-d9c7-4831-8dcb-e0f02a0df24b", "parentComponentId": null }, { "bbox": { "h": 0.6, "w": 0.45, "x": 0.07, "y": 0.23 }, "kind": "list", "text": "Strategy and Risk Management: Majority of directors are independent... ERM program embodies the 'three lines of defense' model... Data Security & Privacy: Robust data security program...", "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 11:11:15.943+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7db83c03-2a60-42a1-b592-075414dd1b9a", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.45, "x": 0.52, "y": 0.23 }, "kind": "list", "text": "Risk management culture instilled by management... Well-diversified loan portfolio... Centralized credit underwriting... Conservative credit culture... Robust internal loan review process...", "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 11:11:15.943+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e866c6ac-ee09-4304-a0a9-95ca20b222c2", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.35, "x": 0.07, "y": 0.2 }, "kind": "paragraph", "text": "Comprehensive Enterprise Risk Management", "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 11:11:15.943+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6c589f0f-5c9c-4de7-9b2c-03546357a28c", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.35, "x": 0.52, "y": 0.2 }, "kind": "paragraph", "text": "Disciplined Credit Risk Management", "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 11:11:15.943+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "acdecc40-e1f8-496b-b638-f41cd14cff85", "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 11:11:15.943+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f2026719-4a19-48c3-9726-7e5e6bb79bbb", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [ { "matchId": "f6b50dbf-0bf2-40d5-9662-e4a2ff15c14e", "evidence": "Mentioned in the Enterprise Risk Management section as the model used for risk ownership.", "framework": null, "confidence": 1, "extraction": { "at": "2026-05-02 11:11:15.943+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": [ { "to": 26, "from": 20, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "b079c13b-6770-448d-9895-2bee24201612", "evidence": "Investment highlights and key messages", "position": 1, "objective": "Funding loan growth opportunities with granular, low-cost deposit base", "confidence": 0.6, "extraction": { "at": "2026-07-16 22:41:58.336014+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "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 11:11:17.463+00", "seconds": 4.737, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/27", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-27", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.035, "w": 0.115, "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 11:11:17.463+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0a687f75-ab4c-4627-8fd1-3cae146b0d7f", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 28, "type": "analysis", "title": "Includes footnotes regarding annualized measures and specific merger-related credit loss allowances.", "function": "analyze_data", "rawType": "appendix_disclosure", "block": null, "metadata": { "slideType": "appendix_disclosure", "slideTypeCanon": { "name": "Appendix disclosure", "slug": "appendix_disclosure", "status": "active", "canonId": "019de52d-07b2-7549-8e8b-932a19f6e616", "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": 38, "componentCount": 3, "textChars": 340, "nDataPoints": 84, "notes": "Includes footnotes regarding annualized measures and specific merger-related credit loss allowances.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.345+00", "seconds": 2.391, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/28", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-28", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.85, "x": 0.075, "y": 0.88 }, "kind": "source-note", "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": "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 11:11:15.345+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cf0b89a1-ff62-4b80-93e8-87f74152f86f", "parentComponentId": null }, { "bbox": { "h": 0.55, "w": 0.85, "x": 0.075, "y": 0.16 }, "kind": "table", "text": "Adjusted Net Income and Adjusted ROAA 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 11:11:15.345+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5322d516-da19-4bfc-9bbb-121d2ce5ebef", "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 11:11:15.345+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "06c8f22c-ca37-423f-945a-21e4161980e4", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 29, "type": "analysis", "title": "The table shows the calculation of average tangible common equity and various return ratios.", "function": "analyze_data", "rawType": "appendix_disclosure", "block": null, "metadata": { "slideType": "appendix_disclosure", "slideTypeCanon": { "name": "Appendix disclosure", "slug": "appendix_disclosure", "status": "active", "canonId": "019de52d-07b2-7549-8e8b-932a19f6e616", "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": 35, "componentCount": 4, "textChars": 139, "nDataPoints": 48, "notes": "The table shows the calculation of average tangible common equity and various return ratios.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.647+00", "seconds": 2.642, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/29", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-29", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.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 11:11:15.647+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "55a0b075-1fbf-4eb0-acde-78859d0a491e", "parentComponentId": null }, { "bbox": { "h": 0.33, "w": 0.85, "x": 0.075, "y": 0.19 }, "kind": "table", "text": "Financial reconciliation table for 2020-2023", "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 11:11:15.647+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7079825c-bbfc-429a-9fea-04fa0546cb78", "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 11:11:15.647+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "784603a5-d6dd-4add-a8c8-de2b445058b5", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.38, "x": 0.075, "y": 0.16 }, "kind": "title", "text": "ROATCE, Adjusted ROAE, 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 11:11:15.647+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "06610adf-3c17-4a89-9f58-5c16c20ea3e7", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 30, "type": "analysis", "title": "Includes both annual and quarterly financial data reconciliations.", "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": 145, "nDataPoints": 80, "notes": "Includes both annual and quarterly financial data reconciliations.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.483+00", "seconds": 2.469, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/30", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-30", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.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 11:11:15.483+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "38c426c4-3f9e-43ed-a2bd-f83e0419b034", "parentComponentId": null }, { "bbox": { "h": 0.75, "w": 0.85, "x": 0.075, "y": 0.16 }, "kind": "table", "text": "Annual and quarterly reconciliation tables for Net Interest Income and Net Interest 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 11:11:15.483+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1f28aa83-dc82-4198-9051-e6a3d3214411", "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 11:11:15.483+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b6a776d4-c5fb-480e-b4b0-bbca79cd1081", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 31, "type": "analysis", "title": "The table reconciles noninterest expense and operating revenue to derive efficiency ratios.", "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": 18, "componentCount": 2, "textChars": 111, "nDataPoints": 48, "notes": "The table reconciles noninterest expense and operating revenue to derive efficiency ratios.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.073+00", "seconds": 2.03, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/31", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-31", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.45, "w": 0.85, "x": 0.074, "y": 0.16 }, "kind": "table", "text": "Efficiency Ratio (tax-equivalent basis) table showing 2020-2023 financial data", "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 11:11:15.073+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cfdd9c26-5f47-48eb-9c6a-f9e7e44da3c2", "parentComponentId": null }, { "bbox": { "h": 0.035, "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 11:11:15.073+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3e52c163-ecdb-4ced-a703-5f541f260fb3", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 32, "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": 19, "componentCount": 2, "textChars": 112, "nDataPoints": 150, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.984+00", "seconds": 2.698, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/32", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-32", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.7, "w": 0.85, "x": 0.075, "y": 0.165 }, "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 11:11:15.984+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "56344af6-2228-4002-a4ae-cced8b03a7b4", "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 11:11:15.984+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "524b78b6-1d80-43db-a06e-9d9290b1787c", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 33, "type": "analysis", "title": "Contains two distinct financial tables: one for 3Q19 IPO adjustment and one for 2019-2023 historical trends.", "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 3Q19 IPO adjustment and one for 2019-2023 historical trends.", "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:16.044+00", "seconds": 2.727, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/33", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-33", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.33, "w": 0.92, "x": 0.074, "y": 0.585 }, "kind": "table", "text": "Tangible Book Value Per Share (IPO adjusted 3Q19 to 4Q23) 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 11:11:16.044+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8e642a52-2f23-454a-a3ee-8c8026119166", "parentComponentId": null }, { "bbox": { "h": 0.43, "w": 0.92, "x": 0.074, "y": 0.138 }, "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 11:11:16.044+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9cb70541-a810-4c9c-9bd3-9f643afa31b7", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.48, "x": 0.074, "y": 0.086 }, "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 11:11:16.044+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c79664e9-eed2-4058-9b1a-8a69f02d3e61", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 34, "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": 18, "componentCount": 2, "textChars": 95, "nDataPoints": 98, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.247+00", "seconds": 1.816, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/34", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-34", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.55, "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 11:11:15.247+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "81f27fa9-21f7-4a75-8581-e8f51ef8f6b1", "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 11:11:15.247+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4647ed2b-f714-4766-9e33-81cbcc846b8e", "parentComponentId": null } ], "metrics": [], "tools": [], "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": 15, "componentCount": 2, "textChars": 81, "nDataPoints": 20, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 11:11:15.206+00", "seconds": 1.755, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/35", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-35", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.25, "w": 0.85, "x": 0.075, "y": 0.164 }, "kind": "table", "text": "Core Deposits reconciliation table for 2020-2023", "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 11:11:15.206+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bd7ebd92-b881-40c7-b127-7616c33784dd", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.48, "x": 0.075, "y": 0.088 }, "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 11:11:15.206+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e730ab9a-c913-4580-b199-7b78b4459628", "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 11:11:15.902+00", "seconds": 2.419, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/36", "deck": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8", "deckAnchor": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-36", "deckJson": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json" }, "components": [ { "bbox": { "h": 0.05, "w": 0.37, "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 11:11:15.902+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a2abb112-d783-4d28-99dd-e226a7b33695", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true } ], "arcBeats": [ { "from": 1, "to": 4, "label": "Humble Origins", "description": "Company snapshot and history" }, { "from": 5, "to": 9, "label": "Early Struggles", "description": "Earnings overview and deposit overview" }, { "from": 10, "to": 14, "label": "Rising Success", "description": "Loan portfolio overview and near-term outlook" }, { "from": 15, "to": 19, "label": "The Breakthrough", "description": "History of organic and acquisitive growth and experienced management team" }, { "from": 20, "to": 22, "label": "Ultimate Achievement", "description": "Investment highlights and consistent performance through cycles" } ], "loops": [ { "from": 21, "to": 22, "label": "Before After", "description": "Consistent performance through cycles drives long-term tangible book value growth" }, { "from": 20, "to": 26, "label": "Quick Win Big Bet", "description": "Funding loan growth opportunities with granular, low-cost deposit base" } ] }