Letter to Shareholders
Dear Fellow Shareholders:
Twenty-five years ago, we opened the doors of a new bank with a humble dream and a mission to impact lives.
Without any acquisitions, we have grown to become a $4.1 billion bank, serving eight fabulous markets in the
Southeast.
I am incredibly proud of our performance in 2024. We generated significant improvement in margin and growth
in client relationships and enter 2025 with excellent momentum. We are well-positioned with a strong balance
sheet and healthy pipelines to continue the positive trends in performance and generating value for our
shareholders.
This momentum would not be possible without our people. We strive to recruit performance-driven individuals
and help them excel with educational and development opportunities along their career journey. We encourage
meaningful fellowship and bottom-up innovation. All team members across departments, locations, and
seniority levels are committed to providing a unique banking experience with exceptional service and authentic
hospitality.
In support of our mission of impacting lives, we invested over $524,000 in the community through monetary
donations, sponsorships, and direct investments in 2024. Our associates take great pride in serving others, both
inside and outside of the bank’s doors, completing over 2,700 hours of volunteering with local nonprofits.
Through our use of digital banking services, purchasing standards, and recycling efforts,
we continue to prioritize sustainability in both client and associate experiences.
Relationships are a gift and a privilege, and as we celebrate 25 years of impacting lives, we
are incredibly grateful for clients who trust us with their banking needs.
R. Arthur Seaver, Jr.
Chief Executive Officer