The legacy FCB branch network combined with the upcoming BMO branch purchase creates a regional deposit-gathering infrastructure that complements the digital Direct Bank and the innovation-banking franchise, giving FCNCA multiple low-cost funding levers most tech-focused lenders lack. This diversified funding mix supports continued loan growth without margin compression.
the thesis · admitted · the reason above is the thesis, not printed twice
no findingread · nothing bore on it
It held on this filing. No finding was written because nothing in it bore on the reason — the sentences it was read against are below.
the evidence · every sentence checkedfour sentences · whole, uncut
the claims it rests on · in our words, not the filing’s