What's the Growth Rate of Banks?

If you have a gap of 10% or something, meaning that your return on equity is 10% below your growth rate, which would be extreme, then you either have to increase your leverage every single year. The least realistic of those is increasing the return on assets. You can increase the leverage to get higher ROE versus the ROA. But otherwise, there's this gap all the time. And so if we go to the first Republic, because, like I said, the return equity is exactly the same for Frost and First Republic. They're earning assets grew at, let's see, three times faster. Yeah. That's compounded. So two thirds or so, yeah. It