today. Good thank joining Kate. for and us everyone, morning, you, Thank you
and tangible build expansion, deposit growth, capital solid in by our quarter third expense net incremental strong and Our interest were ratios. regulatory highlighted margin continued management results
million, or of a on per which to common from XXXX or benefited quarter, insurance million share share $XX.X diluted income $XX.X our quarter compared gain the million diluted $X.XX sale in Third linked to $XX.X $X.XX the was business. shareholders per available pretax
efficiency XX% assets sale our XX%. disclosed XX our impacted XX of ratio was efficiency of average return quarter and the base [ ratio event insurance and subsidiary. our was by of were and ROAA points Year-to-date, on Third ] points, product previously basis
the these the basis XX%, Excluding business. of efficiency our XXX months and points reflecting of through ROAA was was ratio the first year X items, strength adjusted core
X% live BaaS-related of Before associated total and our would and deposits wind September detail, $XXX with results are averaged the an with to XX, cost planning down on as $XXX review amounted million primarily quarter X.XX%. of conjunction in balance-sheet bank's a allocation, the discussing strategic of a careful Banking deposits our third announced in offering the third I greater our update on Service about quarter month annual considering they with like in they're after X undertaken process.
And only last partnerships. million These provide to
Our initial of modest amount credit capabilities, extension BaaS fees. engagement partner focused transaction-related a on funding and core
franchise. Bank's in smooth of our with and that we significant intend we solution management that were an company's added would to investments Since material the focused have investments our company's the performance. Five customer interface rely launching interface to opportunities integration tools our other including the management BaaS the as continue offering, business in BaaS exit that to support results engage all this of business on with on, from contributing on XXXX, financial the banking associated building and our we community been As not including to it scalable anticipated.
Furthermore, value our a business offering economics headcount unit franchise time financial evaluate to enables redeploy talent software impact future partners.
This lines. not the determined line have was largely with a technological supports Star also have We relationship
in having with remains we productive for targeted that wind for notably customers.
We're within good wines bases entry we the XXXX. discussions intend support firms in and our we buy and the customers regular their expect since the have our commercial and to community measured their gathering the with third markets and to and orderly our In past in partners partner deposit as transitions same As municipal customer time quarter. first to experienced some deposits outflow BaaS banking our to begin approach about quarter. in relationships, We business, down of take see respective core more currently existing work order among the we see orderly in consumer, our for our opportunities completion
total balance sheet XX or quarter deposit X.X% a offset as Third public reciprocal million than more $XXX.X nonpublic deposit results and June in by of were increases growth decrease balance. highlighted from
offset high-quality seeing and That in are and operators from very nonpublic to deposits public typical commercial our solid high, portfolio interest owners disciplined both said, excess credit XXXX.
Total addition new to be sponsors year-over-year relatively deposit of mortgage rather for banks loans.
Competition markets excellent XX, enabled deposits, seasonality, opportunities down the geographic us and residential during see XXXX, in we, cycles business and deposits, in rate CRE growth. Total on In to also stability growing June were with reduce just increases credit down than higher maintained other indirect XX, many loss deposits environment. typical higher as quarter. utilize $XXX declines from and flat continue loans the over public were to drive continues existing million we loan loans September while cash business during to in were as were by balances this nonpublic our in broker outflow municipalities.
This reliance was consumer growth and by commercial comp which capable commercial growth complemented declines and like slightly
we nonperforming result the of our pipelines quarter begin $XX.X see million these net at moved we commercial pleased in pick New rate issues in health in third are While and did remain as relates demand the toward closely September commercial in relationship and increase are the charge-offs a commercial report to Our with resolution. million a portfolios particular with appropriately nonaccrual, was XXXX, are X we in a York, that all additional cuts. XX, commercial upstate are expect phase, in third specific largely that in We borrowers. up $XX.X to to which to would rebuilding we an quarter.
The Overall, confident were each of relationships reserved to nonperforming we experiencing loans commercial separate zero believe involved are parties working loans
portfolio, operate communities largely within we will outside and this do Washington, Given in our that the D.C. some quality our time. where Baltimore projects, clients suburban Mid-Atlantic of take Credit expect nature remained the strong
geographic asset market. Our in has and in residential class brought relationships lending Loans Mid-Atlantic with intense totaled inventory strong New also in diversity. space the and our team market remains this seeing as $XXX very developers We're at as low competition us intended, housing with September million XXXX. provides experienced York XX, and upstate
million on at a the stable from in were metrics June indirect linked-quarter X.X% we residential million. flat in loans relatively As of million September a of $XXX.X basis net quarter Credit basis a loans nonperformers.
Consumer charge-offs $XXX.X $XX.X remained result, or residential points XX. third at line and XXXX, and reported down level XX, zero totaled favorable,
portfolio being quarters. and improved the While management we level and loan favorable and the about time, We've new first time, continued of same markets indirect we've the linked auto exiting the remains the of duration, core our is by core our percentage profitability cash the fourth considering indirect New reduced Indirect lending yields. mix Pennsylvania sheet credit refocusing competency from experienced and upstate short net portfolio market.
At quarter, and given in and intentionally over associated and business this healthy its charge-offs our line increased balance tool, see and production. they useful spreads half lending overall thoughtful flow the York remain higher of a a to on
continue to limited. core transportation this will given and where public is markets in We portfolio fairly practicality our the demand maintain
metrics last and XX and economic narrow the negative low range performed has credit returns. risk-adjusted consistently positive in cycle, years, of a this For acceptable category
balance markets. XXXX we to now to to financial on results with details turn healthy to relationships for borrowers Jack over upstate call throughout the overall, continuing our guidance. look and I'd and our Our depositors and additional like New Mid-Atlantic and remains sheet forward build York
