Net income for 2025 increased to $412.2 million, or $6.00 per diluted share, compared to $358.7 million, or $5.19 per diluted share, in 2024. Tangible book value per share grew by 14.5% from $38.59 at the end of 2024 to $44.18 at the end of 2025. Earning assets increased by $1.32 billion, or 5.5%, and total deposits grew by $653.5 million, or 3.01%, in 2025. Organic loan growth amounted to $773.6 million, or 3.73%, during 2025. Total non-performing assets as a percentage of total assets declined to 0.44% at December 31, 2025, from 0.47% at December 31, 2024. Net interest income on a taxable-equivalent basis increased by $87.7 million, or 10.3%, to $940.7 million in 2025, with the net interest margin expanding by 23 basis points to 3.79%. Noninterest income decreased by 7.6% to $271.0 million in 2025, primarily due to lower mortgage banking activity and the non-recurrence of a $12.6 million gain on Visa Class B stock conversion from 2024. Noninterest expense decreased to $604.0 million in 2025, including a $1.5 million benefit from FDIC special assessment adjustments. The provision for credit losses increased to $70.2 million in 2025, up from $58.8 million in 2024, mainly due to an increase in the provision for unfunded commitments, updated economic forecasts, organic loan growth, and changes in the portfolio mix. James A. LaHaise, Corporate Executive Vice President and Chief Strategy Officer, will retire effective April 30, 2026. Special, one-time long-term equity awards were granted to certain named executive officers on February 20, 2026, vesting over three years, to incentivize shareholder value growth and retain management continuity.