Looking ahead, Reske said NIM guidance was “little changed” from the prior quarter. Management expects a near-term dip as variable-rate loans reflect fourth-quarter rate cuts, followed by gradual improvement through 2026, ending the year around 4% . In response to analyst questions, Reske estimated the first-quarter dip could be 5 to 10 basis points , with a general upward drift thereafter.CFO Jim Reske said spread income rose $2.1 million from the prior quarter, driven primarily by a 6 basis point increase ...