Net income attributable to common shareowners increased to $61.6 million in 2025, up from $52.9 million in 2024 and $52.3 million in 2023. Diluted net income per share rose to $3.60 in 2025, compared to $3.12 in 2024 and $3.07 in 2023. Tax-equivalent net interest income grew by $12.6 million, or 7.9%, to $171.8 million in 2025, primarily due to increased investment securities income and lower deposit interest expense. Net interest margin (FTE) expanded to 4.28% in 2025, up from 4.08% in 2024 and 4.05% in 2023. Noninterest income increased by $6.4 million, or 8.4%, to $82.4 million in 2025, driven by higher mortgage banking revenues, wealth management fees, and a gain from the sale of an insurance subsidiary. Noninterest expense increased by $1.7 million, or 1.0%, to $167.0 million in 2025, mainly due to higher compensation expense partially offset by lower pension expense and gains from banking facility sales. The efficiency ratio improved to 65.71% in 2025 from 70.30% in 2024. Total assets reached $4.386 billion at December 31, 2025, an increase of $60.8 million from $4.325 billion at December 31, 2024. Shareowners' equity increased to $552.9 million at December 31, 2025, from $495.3 million at December 31, 2024. Tangible book value per diluted share (non-GAAP) increased by $3.38, or 14.3%, to $27.03 at December 31, 2025. Loans held for investment decreased by $105.4 million, or 4.0%, to $2.546 billion at December 31, 2025. Average deposit balances increased by $53.9 million, or 1.5%, in 2025, driven by strong core deposit growth. The allowance for credit losses (ACL) for loans held for investment increased to $31.0 million in 2025, representing 1.22% of HFI loans, up from 1.10% in 2024. Net loan charge-offs decreased to 0.14% of average HFI loans in 2025, down from 0.21% in 2024. Nonperforming assets (NPAs) increased to $10.5 million at December 31, 2025, from $6.7 million at December 31, 2024, representing 0.24% of total assets. The company's regulatory capital ratios (CET1, Tier 1, Total Capital, Leverage) all exceeded well-capitalized standards at December 31, 2025.