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  "presentationDate": "2023-11-01 00:00:00",
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      "text": "RISK RATING DISTRIBUTION 100% 89% 79% 80% 60% 40% 40% 30% 20% 14%15% 16% 4% 3% 4% 3% 2% 0% 1 & 2 3 4 5 ■SBC Acquired ■SBC Originated SBA",
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      "text": "AVERAGE RISK RATING 2.50 2.30 2.07 2.00 1.67 1.68 1.66 1.70 1.67 1.71 1.59 1.52 1.50 1.00 0.50 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 ■SBCSBA",
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      "text": "BUCKET 1: Very Low Risk of Loss: New origination or current with strong credit metrics (LTV/DSCR/DY). No expected losses. BUCKET 2: Low Risk of Loss: Current with maturity > 6 months. Lower credit metrics with possibility of inclusion on CREFC watchlist. No expected losses. BUCKET 3: Medium Risk of Loss: Current with near term maturities or in forbearance. Loss unlikely with no specific reserves booked. BUCKET 4: Higher Risk: Loan delinquent or in maturity default. Potential issues with sponsor or business plans. Minimal losses possible and adequately reserved in current period. BUCKET 5: Highest risk: Loan in default or special servicing. Specific losses identified and adequately reserved for in current period.",
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      "kind": "title",
      "text": "Loan Portfolio – Risk Rating",
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