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  "notes": "Includes both GAAP and non-GAAP (adjusted) metrics for Net Interest Margin.",
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      "text": "Net interest income decreased to $18.4 million, or 5.8%, from $19.6 million in 1Q23\nNet interest income decreased from 1Q23 due to higher interest expense resulting from increase in average cost of deposits\nNet interest margin decreased 20 bps to 2.73%, driven by the increase in interest bearing deposit costs offset partially by the increase in yields on average earning assets\nAverage loan yields increased 15 bps in June while average deposit costs were flat",
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