Management also flagged expected benefits from upcoming repricing. Sacchetti said $1.2 billion in time deposits are expected to reprice favorably over the next 12 months with an average rate reduction of 32 basis points, which the company estimates could provide roughly$4 million of annualized incremental benefit, or about 12 basis points of net interest margin. She noted the estimate does not include the impact of any other future rate changes.Sacchetti said the company adjusted deposit pricing in respons ...