In short. In its 2025 annual report, Columbia Banking System, Inc. mentions AI in 3 passages. It lists AI as a risk, but the report does not say how AI is controlled. Compared with banks of its size, it gives less detail than most.
In the 2025 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
Yes
3 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
General
What it says
Sees AI as a risk
Kinds of AI named
Generative AI
How AI is controlled
Not described
AI in its annual reports over time
What this shows
How many passages about AI each annual report contains, 2022 to 2025, by what they say.
What it means
0 passages in 2022, 3 passages in 2025.
How to read it
Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Passages about AI in Columbia Banking System, Inc.'s annual reports, by report year.Show as a table
Report year
Using or planning AI
Explains how AI is controlled
Sees AI as a risk
Other mentions
2022
2022
2022
2022
2023
2023
2023
2023
2024
2024
2024
2024
2025
2025
2025
2025
Compared with banks of its size
What this shows
This bank's 2025 annual report next to all 43 banks of its size ($50B and above).
What it means
Its most specific passage is "General"; for banks of its size the typical level is "Names an area".
How to read it
Yes or no for this bank; the share of banks of the same size for comparison.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
In the 2025 report
This bank
Banks of its size
Using AI now
No
12 of 43 (28%)
Explains how AI is controlled
No
30 of 43 (70%)
Sees AI as a risk
Yes
43 of 43 (100%)
Mentions generative AI
Yes
33 of 43 (77%)
Mentions AI agents
No
10 of 43 (23%)
What changed from 2024
0 passages new in the 2025 report, 0 passages from the 2024 report no longer there.
Every passage about AI
What this shows
All 12 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
What it means
3 passages say the bank is using AI now.
How to read it
Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
Where it comes from
Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Investor presentation, Q1 2026 filed 23 Apr 2026
First Quarter 2026 Performance Highlights 9 ■ Seamlessly completed the systems conversion while minimizing impact to customers and consolidated nine branches related to our August 2025 acquisition of Pacific Premier. We continue to expect to realize all previously disclosed related cost savings by June 30, 2026. ■ Our first small business and retail campaign of 2026, which began in February and runs through April 30, 2026, has brought nearly $450 million in new deposits to the bank through mid-April and also has been successful in generating new SBA lending relationships. ■ Columbia repurchased 6.5 million common shares under its current repurchase plan during Q1 2026, returning $200 million in capital to our shareholders beyond our regular quarterly dividend. Our existing share repurchase authorization had $400 million remaining as of March 31, 2026. ■ Continued to deploy AI and automation across the organization. A key development during Q1 2026 improved the efficiency of our business online banking enrollment, accelerating a process that previously took two days down to two minutes. Reported Operating(1) $192 million $209 million Net Income Net Income $283 million $306 million Pre-Provision Net Revenue(1) Pre-Provision Net Revenue $0.66 $0.72 Earnings-per-Share - Diluted Earnings-per-Share - Diluted 1.18% 1.28% Return on Assets Return on Assets 1.73% 1.87% PPNR Return on Assets(1) PPNR Return on Assets 10.00% 10.89% Return on Equity Return on Equity 13.88% 15.11% Return on Tangible Common Equity(1) Return on Tangible Common Equity (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement for each is provided in the Appendix of this slide presentation.
Using AI nowDetail: Concrete exampleProcess automationOperationsCustomer serviceNew this periodNew since the annual report
We or our third-party (or fourth-party) vendors, clients or counterparties may develop or incorporate AI technology in certain business processes, services, or products. The development and use of AI presents a number of risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving, both in the U.S. and internationally, and includes regulatory schemes targeted specifically at AI as well as provisions in intellectual property, privacy, consumer protection, employment, and other laws applicable to the use of AI. These evolving laws and regulations could require changes in our implementation of AI technology and increase our compliance costs and the risk of non-compliance. AI models, particularly generative AI models, may produce output or take action that is incorrect, that result in the release of private, confidential, or proprietary information, that reflect biases included in the data on which they are trained, infringe on the intellectual property rights of others, or that is otherwise harmful. In addition, the complexity of many AI models makes it challenging to understand why they are generating particular outputs. This limited transparency increases the challenges associated with assessing the proper operation of AI models, understanding and monitoring the capabilities of the AI models, reducing erroneous output, eliminating bias, and complying with regulations that require documentation or explanation of the basis on which decisions are made. Further, we may rely on AI models developed by third parties, and, to that extent, would be dependent in part on the manner in which those third parties develop and train their models, including risks arising from the inclusion of any unauthorized material in the training data for their models, and the effectiveness of the steps these third parties have taken to limit the risks associated with the output of their models, matters over which we may have limited visibility. Any of these risks could expose us to liability or adverse legal or regulatory consequences and harm our reputation and the public perception of our business or the effectiveness of our security measures.
Sees AI as a riskDetail: GeneralGenerative AISame as last year
Similar wording appears in 26 other banks' reports.
In addition to our use of AI technologies, we are exposed to risks arising from the use of AI technologies by bad actors to commit fraud and misappropriate funds and to facilitate cyberattacks. AI, if used to perpetrate fraud or launch cyberattacks, could create panic at a particular financial institution or exchange, which could pose a threat to financial stability.
Sees AI as a riskDetail: GeneralSame as last year
Similar wording appears in 5 other banks' reports.
Second Quarter 2025 Highlights 13 ■ Executed a successful small business and retail campaign, which ran through mid-July and brought over $450 million in new deposits to the bank. The campaign was also successful in generating new SBA lending relationships. ■ Opened two branches in Arizona, strengthening support for bankers and customers in Phoenix and the surrounding markets. A branch was also opened in Eastern Oregon, bringing essential banking services to an underserved rural community. ■ Expanded Go-To Virtual Assistant during business hours to improve our ability to serve customers and increase associate efficiency. ■ Expanded Columbia’s executive leadership talent with the addition of Judi Giem as Chief Human Resources Officer. Ms. Giem brings over 20 years of comprehensive human resources leadership experience for publicly traded companies. ■ Received the Puget Sound Business Journal’s Corporate Citizenship Award for our philanthropy work in 2024. ■ Supported 422 unique charities across our footprint with associates volunteering over 3,800 hours during Melanie Dressel Community Commitment Month in April. Reported Operating(1) $152 million $160 million Net Income Net Income $233 million $242 million Pre-Provision Net Revenue(1) Pre-Provision Net Revenue $0.73 $0.76 Earnings-per-Share - Diluted Earnings-per-Share - Diluted 1.19% 1.25% Return on Assets Return on Assets 1.81% 1.88% PPNR Return on Assets(1) PPNR Return on Assets 11.56% 12.16% Return on Equity Return on Equity 16.03% 16.85% Return on Tangible Common Equity(1) Return on Tangible Common Equity (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement for each is provided in the Appendix of this slide presentation.
Using AI nowDetail: Concrete exampleChatbots and assistantsCustomer serviceEmployee productivityNew this periodNew since the annual report
We or our third-party (or fourth-party) vendors, clients or counterparties may develop or incorporate AI technology in certain business processes, services, or products. The development and use of AI presents a number of risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving, both in the U.S. and internationally, and includes regulatory schemes targeted specifically at AI as well as provisions in intellectual property, privacy, consumer protection, employment, and other laws applicable to the use of AI. These evolving laws and regulations could require changes in our implementation of AI technology and increase our compliance costs and the risk of non-compliance. AI models, particularly generative AI models, may produce output or take action that is incorrect, that result in the release of private, confidential, or proprietary information, that reflect biases included in the data on which they are trained, infringe on the intellectual property rights of others, or that is otherwise harmful. In addition, the complexity of many AI models makes it challenging to understand why they are generating particular outputs. This limited transparency increases the challenges associated with assessing the proper operation of AI models, understanding and monitoring the capabilities of the AI models, reducing erroneous output, eliminating bias, and complying with regulations that require documentation or explanation of the basis on which decisions are made. Further, we may rely on AI models developed by third parties, and, to that extent, would be dependent in part on the manner in which those third parties develop and train their models, including risks arising from the inclusion of any unauthorized material in the training data for their models, and the effectiveness of the steps these third parties have taken to limit the risks associated with the output of their models, matters over which we may have limited visibility. Any of these risks could expose us to liability or adverse legal or regulatory consequences and harm our reputation and the public perception of our business or the effectiveness of our security measures.
Sees AI as a riskDetail: GeneralMachine learningGenerative AISame as last year
Similar wording appears in 25 other banks' reports.
In addition to our use of AI technologies, we are exposed to risks arising from the use of AI technologies by bad actors to commit fraud and misappropriate funds and to facilitate cyberattacks. AI, if used to perpetrate fraud or launch cyberattacks, could create panic at a particular financial institution or exchange, which could pose a threat to financial stability.
Sees AI as a riskDetail: GeneralSame as last year
Similar wording appears in 4 other banks' reports.
Fourth Quarter 2024 Highlights 10 ■ Completed a fraud prevention campaign that spanned 1,800 relationships, protected 3,000 accounts and saved $1 million in fraud losses, and generated over $1 million in annualized new revenue to the bank. ■ Received CISCO Webex AI Innovator Award for customer experience. The award highlights Umpqua Bank’s commitment to leveraging technology to provide personalized and efficient service to deliver an elevated experience for our customers. ■ Continued planning for five branches slated to open in targeted growth markets throughout our footprint during 2025, in support of our customers and bankers. ■ Pilot launch for Real Time Payments Origination through our commercial online banking platform planned for Q1 2025, to enhance our instant payment offerings to customers. ■ Raised nearly $350,000 to help families and individuals struggling with homelessness in communities across the Northwest as part of our annual Warm Hearts Winter Drive. Reported Operating(1) $143 million $150 million Net Income Net Income $221 million $229 million Pre-Provision Net Revenue(1) Pre-Provision Net Revenue $0.68 $0.71 Earnings-per-Share - Diluted Earnings-per-Share - Diluted 1.10% 1.15% Return on Assets Return on Assets 1.70% 1.77% PPNR Return on Assets(1) PPNR Return on Assets 10.91% 11.40% Return on Equity Return on Equity 15.41% 16.11% Return on Tangible Common Equity(1) Return on Tangible Common Equity (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement for each is provided in the Appendix of this slide presentation.
Using AI nowDetail: Concrete exampleCustomer serviceCISCO WebexNew this periodNew since the annual report
We or our third-party (or fourth-party) vendors, clients or counterparties may develop or incorporate AI technology in certain business processes, services, or products. The development and use of AI present a number of risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving, both in the U.S. and internationally, and includes regulatory schemes targeted specifically at AI as well as provisions in intellectual property, privacy, consumer protection, employment, and other laws applicable to the use of AI. These evolving laws and regulations could require changes in our implementation of AI technology and increase our compliance costs and the risk of non-compliance. AI models, particularly generative AI models, may produce output or take action that is incorrect, that result in the release of private, confidential, or proprietary information, that reflect biases included in the data on which they are trained, infringe on the intellectual property rights of others, or that is otherwise harmful. In addition, the complexity of many AI models makes it challenging to understand why they are generating particular outputs. This limited transparency increases the challenges associated with assessing the proper operation of AI models, understanding and monitoring the capabilities of the AI models, reducing erroneous output, eliminating bias, and complying with regulations that require documentation or explanation of the basis on which decisions are made. Further, we may rely on AI models developed by third parties, and, to that extent, would be dependent in part on the manner in which those third parties develop and train their models, including risks arising from the inclusion of any unauthorized material in the training data for their models, and the effectiveness of the steps these third parties have taken to limit the risks associated with the output of their models, matters over which we may have limited visibility. Any of these risks could expose us to liability or adverse legal or regulatory consequences and harm our reputation and the public perception of our business or the effectiveness of our security measures.
Sees AI as a riskDetail: GeneralMachine learningGenerative AINew this year
In addition to our use of AI technologies, we are exposed to risks arising from the use of AI technologies by bad actors to commit fraud and misappropriate funds and to facilitate cyberattacks. AI, if used to perpetrate fraud or launch cyberattacks, could create panic at a particular financial institution or exchange, which could pose a threat to financial stability.
9 passages in legal noticesThe forward-looking statements notice at the start or end of a filing. It often lists AI among many risks. It is never counted., not counted
•the competitive and other impacts on our business of emerging technologies, including stablecoins and other digital currencies, tokenized deposits, blockchain, artificial intelligence, quantum computing and related innovations affecting both us and the banking industry generally;
Leveraging Technology to Improve Collaboration and Performance 7 Enhancing the Customer Experience Driving Revenue GenerationCreating Operational Efficiencies ■ Building upon our recently acquired, best- in-class API marketplace to expand our embedded banking capabilities ■ Enhancing relationship banking with AI- powered "Smart Leads” provides opportunities to generate fee income through predictive analytics ■ Continuing to invest in new payment technologies, including instant payment platforms, integrated receivables and payables, and Zelle for Business ■ Deploying digital international banking solutions, including an online foreign exchange portal for real time FX quotes and trades ■ Offering differentiated small business and commercial online banking platforms by integrating technologies ■ Enhancing fraud protection and prevention measures to minimize customer losses, reduce customer friction, and increase core fee income for the bank ■ Updating our online account opening process to make it easier and more convenient for customers ■ Strengthening our bank security and risk management with advanced authentication technology to safeguard our customers across digital platforms ■ Embracing AI capabilities to improve associate productivity ■ Accelerating application development through automation of code generation, debugging, and documentation ■ Deploying AI-powered virtual assistants to augment human agents in our contact center ■ Automating tasks and streamlining operations to enhance efficiency and improve the customer experience; our goal is to be the most convenient bank for our associates (internally) and our customers (externally) Our customer-focused technology stack is built on resilient, scalable, and secure systems to advance our Business Bank of Choice operating strategy. We embrace technology to not only create operational efficiencies, but also to support an elevated customer experience and to drive additional revenue opportunities through needs-based solutions.
Leveraging Technology to Improve Collaboration and Performance 7 Enhancing the Customer Experience Driving Revenue GenerationCreating Operational Efficiencies ■ Building upon our recently acquired, best- in-class API marketplace to expand our embedded banking capabilities ■ Enhancing relationship banking with AI- powered "Smart Leads” provides opportunities to generate fee income through predictive analytics ■ Continuing to invest in new payment technologies, including instant payment platforms, integrated receivables and payables, and Zelle for Business ■ Deploying digital international banking solutions, including an online foreign exchange portal for real time FX quotes and trades ■ Offering differentiated small business and commercial online banking platforms by integrating technologies ■ Enhancing fraud protection and prevention measures to minimize customer losses, reduce customer friction, and increase core fee income for the bank ■ Updating our online account opening process to make it easier and more convenient for customers ■ Strengthening our bank security and risk management with advanced authentication technology to safeguard our customers across digital platforms ■ Embracing AI capabilities to improve associate productivity ■ Accelerating application development through automation of code generation, debugging, and documentation ■ Deploying AI-powered virtual assistants to augment human agents in our contact center ■ Automating tasks and streamlining operations to enhance efficiency and improve the customer experience; our goal is to be the most convenient bank for our associates (internally) and our customers (externally) Our customer-focused technology stack is built on resilient, scalable, and secure systems to advance our Business Bank of Choice operating strategy. We embrace technology to not only create operational efficiencies, but also to support an elevated customer experience and to drive additional revenue opportunities through needs-based solutions.
Leveraging Technology to Improve Collaboration and Performance 6 Enhancing the Customer Experience Driving Revenue Generation Creating Operational Efficiencies ■ Building upon our recently acquired, best- in-class API marketplace to expand our embedded banking capabilities ■ Enhancing relationship banking with AI- powered "Smart Leads” provides opportunities to generate fee income through predictive analytics ■ Continuing to invest in new payment technologies, including instant payment platforms, integrated receivables and payables, and Zelle for Business ■ Deploying digital international banking solutions, including an online foreign exchange portal for real time FX quotes and trades ■ Offering differentiated small business and commercial online banking platforms by integrating technologies ■ Enhancing fraud protection and prevention measures to minimize customer losses and increase core fee income for the bank ■ Updating our online account opening process to make it easier and more convenient for customers ■ Strengthening our bank security and risk management with advanced authentication technology to safeguard our customers across digital platforms ■ Embracing AI capabilities to improve associate productivity ■ Accelerating application development through automation of code generation, debugging, and documentation ■ Deploying AI-powered virtual assistants to augment human agents in our contact center ■ Automating tasks and streamlining operations to enhance efficiency and improve the customer experience; our goal is to be the most convenient bank for our associates (internally) and our customers (externally) Our customer-focused technology stack is built on resilient, scalable, and secure systems to advance our Business Bank of Choice operating strategy. We embrace technology to not only create operational efficiencies, but also to support an elevated customer experience and to drive additional revenue opportunities through needs-based solutions.
Leveraging Technology to Improve Collaboration and Performance 6 Enhancing the Customer Experience Driving Revenue Generation Creating Operational Efficiencies ■ Building upon our recently acquired, best- in-class API marketplace to expand our embedded banking capabilities ■ Enhancing relationship banking with AI- powered "Smart Leads” provides opportunities to generate fee income through predictive analytics ■ Continuing to invest in new payment technologies, including instant payment platforms, integrated receivables and payables, and Zelle for Business ■ Deploying digital international banking solutions, including an online foreign exchange portal for real time FX quotes and trades ■ Offering differentiated small business and commercial online banking platforms by integrating technologies ■ Enhancing fraud protection and prevention measures to minimize customer losses and increase core fee income for the bank ■ Updating our online account opening process to make it easier and more convenient for customers ■ Strengthening our bank security and risk management with advanced authentication technology to safeguard our customers across digital platforms ■ Embracing AI capabilities to improve associate productivity ■ Accelerating application development through automation of code generation, debugging, and documentation ■ Deploying AI-powered virtual assistants to augment human agents in our contact center ■ Automating tasks and streamlining operations to enhance efficiency and improve the customer experience; our goal is to be the most convenient bank for our associates (internally) and our customers (externally) Our customer-focused technology stack is built on resilient, scalable, and secure systems to advance our Business Bank of Choice operating strategy. We embrace technology to not only create operational efficiencies, but also to support an elevated customer experience and to drive additional revenue opportunities through needs-based solutions.
Leveraging Technology to Improve Collaboration and Performance 10 Enhancing the Customer Experience Driving Revenue Generation Creating Operational Efficiencies ■ AI-powered "Smart Leads” support relationship banking and provide opportunities to generate fee income through predictive analytics ■ Continued investment in new payment technologies, including Real Time Payments, integrated receivables and payables, and Zelle for Business ■ Account aggregation and forecasting tools integrated into online banking ■ Digital international banking solutions, including an online foreign exchange portal for real time FX quotes and trades ■ Differentiated small business and commercial online banking platforms with integrated technologies ■ Enhancing fraud protection and prevention measures to minimize customer losses and increase core fee income for the bank ■ Updating our online account opening process to make it easier and more convenient for customers ■ Strengthening our bank security and risk management with advanced authentication technology to safeguard our customers across digital platforms ■ Embracing AI capabilities to improve associate productivity ■ Continuing expansion of cloud technologies and integrated banking through open APIs ■ Developing support for human agents in our contact center with virtual assistants ■ Automating tasks and streamlining operations to enhance efficiency and improve the customer experience; our goal is to be the most convenient bank for our associates (internally) and our customers (externally) Our customer-focused technology stack incorporates resilient, scalable, and secure systems to support our Business Bank of Choice operating strategy. We embrace technology to not only create operational efficiencies, but also to support an elevated customer experience and to drive additional revenue opportunities through needs-based solutions. Many technology use cases support multiple goals: efficiency, customer satisfaction, and revenue growth.
Leveraging Technology to Improve Collaboration and Performance 10 Enhancing the Customer Experience Driving Revenue Generation Creating Operational Efficiencies ■ AI-powered "Umpqua Smart Leads” support relationship banking and provide opportunities to generate fee income through predictive analytics ■ Continued investment in new payment technologies, including Real Time Payments, integrated receivables and payables, and Zelle for Business ■ Account aggregation and forecasting tools integrated into online banking ■ Digital international banking solutions, including an online foreign exchange portal for real time FX quotes and trades ■ Differentiated small business and commercial online banking platforms with integrated technologies ■ Enhancing fraud protection and prevention measures to minimize customer losses and increase core fee income for the bank ■ Updating our online account opening process to make it easier and more convenient for customers ■ Strengthening our bank security and risk management with advanced authentication technology to safeguard our customers across digital platforms ■ Embracing AI capabilities to improve associate productivity ■ Continuing expansion of cloud technologies and integrated banking through open APIs ■ Developing support for human agents in our contact center with virtual assistants ■ Automating tasks and streamlining operations to enhance efficiency and improve the customer experience; our goal is to be the most convenient bank for our associates (internally) and our customers (externally) Our customer-focused technology stack incorporates resilient, scalable, and secure systems to support our Business Bank of Choice operating strategy. We embrace technology to not only create operational efficiencies, but also to support an elevated customer experience and to drive additional revenue opportunities through needs-based solutions. Many technology use cases support multiple goals: efficiency, customer satisfaction, and revenue growth.
Leveraging Technology to Improve Collaboration and Performance 7 Enhancing the Customer Experience Driving Revenue Generation Creating Operational Efficiencies ■ AI-powered "Umpqua Smart Leads” support relationship banking and provide opportunities to generate fee income through predictive analytics ■ Continued investment in new payment technologies, including Real Time Payments, integrated receivables and payables, and Zelle for Business ■ Account aggregation and forecasting tools integrated into online banking ■ Digital international banking solutions, including an online foreign exchange portal for real time FX quotes and trades ■ Differentiated small business and commercial online banking platforms with integrated technologies ■ Enhancing fraud protection and prevention measures to minimize customer losses and increase core fee income for the bank ■ Updating our online account opening process to make it easier and more convenient for customers ■ Strengthening our bank security and risk management with advanced authentication technology to safeguard our customers across digital platforms ■ Embracing AI capabilities to improve associate productivity ■ Continuing expansion of cloud technologies and integrated banking through open APIs ■ Developing support for human agents in our contact center with virtual assistants ■ Automating tasks and streamlining operations to enhance efficiency and improve the customer experience; our goal is to be the most convenient bank for our associates (internally) and our customers (externally) Our customer-focused technology stack incorporates resilient, scalable, and secure systems to support our Business Bank of Choice operating strategy. We embrace technology to not only create operational efficiencies, but also to support an elevated customer experience and to drive additional revenue opportunities through needs-based solutions. Many technology use cases support multiple goals: efficiency, customer satisfaction, and revenue growth.
Leveraging Technology to Improve Collaboration and Performance 7 Enhancing the Customer Experience Driving Revenue Generation Creating Operational Efficiencies ■ AI-powered "Umpqua Smart Leads” support relationship banking and provide opportunities to generate fee income through predictive analytics ■ Continued investment in new payment technologies, including Real Time Payments, integrated receivables and payables, and Zelle for Business ■ Account aggregation and forecasting tools integrated into online banking ■ Digital international banking solutions, including an online foreign exchange portal for real time FX quotes and trades ■ Differentiated small business and commercial online banking platforms with integrated technologies ■ Enhancing fraud protection and prevention measures to minimize customer losses and increase core fee income for the bank ■ Updating our online account opening process to make it easier and more convenient for customers ■ Strengthening our bank security and risk management with advanced authentication technology to safeguard our customers across digital platforms ■ Embracing AI capabilities to improve associate productivity ■ Continuing expansion of cloud technologies and integrated banking through open APIs ■ Developing support for human agents in our contact center with virtual assistants ■ Automating tasks and streamlining operations to enhance efficiency and improve the customer experience; our goal is to be the most convenient bank for our associates (internally) and our customers (externally) Our customer-focused technology stack incorporates resilient, scalable, and secure systems to support our Business Bank of Choice operating strategy. We embrace technology to not only create operational efficiencies, but also to support an elevated customer experience and to drive additional revenue opportunities through needs-based solutions. Many technology use cases support multiple goals: efficiency, customer satisfaction, and revenue growth.