SB Financial Group(SBFG) - 2023 Q4 - Earnings Call Transcript

historical growth rate in 2024. Deposit levels were fairly flat for the quarter and the year, while the change in mix and incremental cost reduced margins. Likewise, liquidity remained relatively stable throughout the quarter as we focused on deposit stability. Overall, asset yields increased 104 basis points this year, while liquidity costs increased 114 basis points, and Tony will give more detail on that mix. Operational excellence. Operating expense resulting production levels and fee-based business lin ...