Companies covered: First Interstate BancSystem, Inc. (NASDAQ:FIBK), Comerica Incorporated (NYSE:CMA), Wintrust Financial Corporation (NASDAQ:WTFC), SVB Financial Group (NASDAQ:SIVB), Zions Bancorporation (NASDAQ:ZION), Preferred Bank (NASDAQ:PFBC), Heritage Commerce Corp (NASDAQ:HTBK), Columbia Banking System, Inc. (NASDAQ:COLB), Umpqua Holdings Corporation (NASDAQ:UMPQ), Heritage Financial Corporation (NASDAQ:HFWA), Mitsubishi UFJ Financial Group Inc. (NYSE:MUFG), Silvergate Capital Corp. (NYSE:SI), Customers Bancorp, Inc (NYSE:CUBI), Triumph Bancorp, Inc. (NASDAQ:TBK), BM Technologies, Inc. (NYSEAMERICAN:BMTX), Meta Platforms Inc. (NASDAQ:META), Uber Technologies (NYSE:UBER), Lyft (NASDAQ:LYFT), Spotify Technology SA (NYSE:SPOT), Shopify (NYSE:SHOP), Visa Inc. (NYSE:V), Mastercard Incorporated (NYSE:MA), Bridgewater Bancshares (NASDAQ:BWB), HomeStreet, Inc. (NASDAQ:HMST), New York Community Bancorp, Inc. (NYSE:NYCB), Axos Financial, Inc. (NYSE:AX), Capital Bancorp Inc. (NASDAQ:CBNK)