Ryan: We’re Main Street lending, serving mom and pop businesses

Can we just dive in first to why this is not a repeat of the really existential um jitters that shook regional banking in 2023. >> Yeah, I I I do think these are oneoff situations that happen in time and we manage risk and sometimes uh that risk comes comes to fruition, but the reality is the industry is well reserved, well capitalized and has strong earnings currently. So those all serve as a strong buffer to any one-time credit shots that that may come at the industry.>> What's working in the favor of reg ...