FNB(FNB) - 2023 Q4 - Earnings Call Transcript

I mean, historically, if you look at our beta today, right, we're around 34%. In the last upgrade cycle, we kind of maxed out at 35%, it seems reasonable to assume that, but that would take kind of more in the medium term, longer term to catch back up, probably the medium term with deposit rate lags to catch up and have that benefit. Okay, great. Thank you for all the color. Appreciate it. Our next question comes from Frank Schiraldi from Piper Sandler. Please go ahead with your question. Yes. I think, you ...