...Unidentified Participant I am here with Zions Bancorp. For those of you who do not know them, they are an $89 billion asset bank headquartered in Salt Lake City. They are unique and that they operate several segments within their brand. It includes Zions Bank, Amegy, California Bank & Trust, National Bank of Arizona, Nevada State Bank, and Vectra Bank Colorado, and the Commerce Bank of Washington. Zions has an excellent profile, mid-teens ROTCE, attractive deposits with non-interest bearing at 24%, fee revenues at 22, which we're going to talk about later and then a valuation, very attractive at 8 times 2026 earnings, and 1.3 of tangible book value, so all of this terrific profitability with cheap valuation. With me again this year is Ryan Reynolds -- Richards. It is the second year. R. Ryan Richards ...
