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      "text": "1 Adjusted efficiency ratio... 2 See slide 20 (Cost of Deposits) for additional detail.",
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      "text": "Stable deposits driven by high levels of noninterest deposits (94%). Achieved 0.35% cost of funds. $1.1 billion off-balance sheet deposits. Prioritizing BaaS deposits. Weighted average life of over 5.5 years.",
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      "text": "Improved yield on earning assets to 6.57% for 1Q24 as compared to 5.70% for 1Q23. Grew commercial finance loans by $728 million, or 24%, from December 31, 2022. $1.9 billion securities portfolio provides cash flow.",
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