Net income applicable to common shares increased by $81.4 million (232.3%) to $116.4 million in 2025 from $35.0 million in 2024. Net interest income rose by $69.2 million to $295.9 million in 2025 from $226.7 million in 2024, primarily due to higher rates on interest-earning assets. Provision for credit losses decreased significantly to $1.5 million in 2025 from $24.2 million in 2024, with 2024 including a one-time CECL Day 2 provision from the Summit merger. Non-interest income increased by $10.8 million (30.8%) to $46.1 million in 2025, largely due to the Summit merger, with notable increases in company-owned life insurance income, other non-interest income, and bank debit/other card revenue. Non-interest expense decreased by $2.3 million (1.1%) to $195.6 million in 2025, mainly due to decreases in equipment rentals, depreciation, maintenance, and other operating expenses, partially offset by increases in salaries, core deposit intangible amortization, occupancy, and employee benefits. Total consolidated assets increased by $108.4 million to $7.9 billion as of December 31, 2025. Gross loans decreased by $284.6 million to $5.38 billion, primarily due to exiting non-core loans. Total deposits decreased by $111.3 million to $6.4 billion, with brokered deposits decreasing by $180.4 million. Shareholders' equity increased by $124.5 million to $854.6 million. The company is pursuing a merger with LINKBANCORP, Inc. (LNKB), which is expected to close and result in the combined entity exceeding $10 billion in total assets, triggering enhanced regulatory scrutiny.