Deposits declined $131 million , or 0.8% , linked quarter, which management attributed in part to a decline in public fund deposits. On a year-over-year basis, deposits increased $392 million , or 2.6% , driven by growth in commercial and personal balances of $568 million . The cost of total deposits in the fourth quarter was 1.72% , down 12 basis points from the prior quarter, which management highlighted as evidence of a “strong, cost-effective core deposit base.”Loans held for investment increased $126 m ...

Group 1 - UNFI has raised its sales expectations for the period ending in fiscal 2027, now anticipating low single-digit growth instead of flat sales [3] - The improved outlook is attributed to the company's ability to strengthen relationships with existing customers and acquire new ones, alongside consumer trends favoring health and wellness products [4] - UNFI reported a net loss of $87 million for Q4, with conventional segment sales down nearly 13% and retail sales declining by almost 9%, impacted by a cyberattack [5][8] Group 2 - For the full fiscal year, UNFI achieved sales of just under $32 billion, reflecting a year-over-year increase of 2.6%, while adjusted EBITDA rose nearly 7% [6] - The company has focused on creating value for customers and improving efficiency, generating sales through services like credit card processing and digital shelf tags [7] - The Q4 sales decline was partially due to the cyberattack, which reduced the sales growth rate by about 5%, and the previous year’s quarter had an additional week [8]