Dan Rollins: Yes. I think we’ll take that one first. We clearly have room to improve and we need to continue to focus on that. That’s why we’re working through the initiatives that we’ve been working through to eliminate expenses to consolidate branches, to take advantage of opportunities there in front of us and we still need to continue to improve. There’s no question about that. I think when we look at where we want to be, again, you use the word target. We’ve never had any targets. We had some pro forma numbers that we put out at the time of the merger. Those were not targets. Those were based upon what we saw at the time based upon the economic environment at the time. Obviously, things have changed a little since then.
But when you look at us and you compare us to what’s going on in the market, we’re not where we want to be. Nobody is willing to hide from that. We’ve got to improve. And I think this transaction gives us some tools in our toolkit to allow us to improve. And I think when we look at what we’ve got going in the future, I think we can continue to make headway on that. When you talk about M&A activity that’s out there, there’s no cost activity out there. There’s nobody knocking our door down and we’re certainly not out chasing anything at this point. I think we think we need to take care of our business right here at home. And we think that’s probably the best use of what we’ve got in front of us today.
Brody Preston: That’s very helpful. I appreciate that. And if I could squeeze just one more in. I just wanted to just ask around the SNC portfolio. What percent of that are you guys the lead agent on? And then has any of that been reviewed by regulators lately, there’s been some discussion around the industry this morning about SNC reviews taking place.
Dan Rollins: We’re like every other bank that has those. Absolutely. The regulators are in and looking at them all the time. I don’t know that we have a number on what we’re leading. Billy was given some of that information a few minutes ago. But I think when you look at our overall loan portfolio, we’re no different than anybody else that’s out there. It’s getting looked at every day.
Operator: The next question comes from Brandon King with Truist Securities.
Brandon King: So I wanted to get some commentary on what you’re seeing as far as deposit trends within the corporate versus community bank, just to get a sense of how those flows have behaved. Recently, I know last call, you mentioned how you wish things were more rational. So I just wanted to get a sense of how things are shaping up between the 2 sides.
Dan Rollins: Well, I think as I said a minute ago, the fact that we grew core customer deposits from $0.5 billion in the quarter and that came both in the Community Bank and in the Corporate Bank. I think the depositors are calming down. Chris, Hank, I’m happy for you guys to jump in here.
Hank Holmes: Yes. On the corporate side, we’ve definitely seen a reversal. We’re able to get many of those deposits back that left earlier in the year. We’re continuing to really focus on the deposit growth and it’s certainly rates, we have attractive rates for our borrowers. But there’s a stabilized and improving is the way I would categorize it in the corporate set.
Dan Rollins: Stabilized and improving; that’s good.
