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      "text": "Net interest income decreased to $16.3 million, or 2.6%, from $16.8 million in 3Q23, due primarily to higher deposit costs. Net interest margin decreased 9 bps to 2.37%, driven by the increase in interest bearing deposit costs. Strategic decision made to add short-term higher cost deposits to improve near-term liquidity, which will be replaced with lower cost funding as market conditions normalize and interest rates decrease",
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