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  "notes": "Includes footnotes regarding CECL adoption, subordinated debentures, and non-GAAP reconciliation.",
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      "text": "Source: Company filings. (1) OSBC adopted CECL as of 1/1/2020... (2) In April 2021, OSBC booked $60.0 million... (3) Denotes a non-GAAP financial measure.",
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