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  "presentationDate": "2025-01-01 00:00:00",
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  "notes": "The slide uses a combination of a grouped bar chart for historical cost comparison, a data table for deposit composition, and a dual-axis line chart for deposit beta analysis.",
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      "text": "Cost of Deposits (%) Remains Consistently Below Peers",
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      "text": "Source: S&P Capital IQ as available on January 13, 2025; * Annualized measure; 1 See \"Peer Group Members\" in the Appendix for listing of the 21 publicly-traded bank holding companies included in peer group median; 2 Excludes overdrawn deposit accounts and reciprocal deposit accounts",
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      "text": "Strong, granular, low-cost deposit base provides funding for . . .",
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