Net income for 2025 increased to $77.5 million, or $2.86 per diluted common share, up from $53.4 million, or $1.97 per diluted common share, in 2024. Adjusted net income (non-GAAP) for 2025 was $78.6 million, or $2.91 per diluted common share, compared to $63.4 million, or $2.34 per diluted common share, in 2024. Return on average assets (ROA) improved to 1.06% in 2025 from 0.72% in 2024, while return on average shareholders' equity (ROE) rose to 13.62% from 10.25%. Net interest income on a taxable-equivalent basis increased by $29.2 million, or 13.8%, to $241.6 million in 2025, primarily due to higher average yields on loans and investment securities and lower funding costs. The net interest margin expanded to 3.45% in 2025 from 3.01% in 2024. Total deposits saw a modest decline of $34.2 million, or 0.5%, to $6.61 billion at December 31, 2025, mainly due to a run-off in high-cost time deposits, while core deposits grew by 0.3%. The loan portfolio decreased by $43.8 million, or 0.8%, to $5.29 billion at December 31, 2025, with declines in home equity, consumer, and residential mortgage loans partially offset by growth in commercial mortgage and construction loans. Asset quality remained strong, with nonperforming assets totaling $14.4 million, or 0.19% of total assets, at December 31, 2025, an increase from $11.0 million, or 0.15%, in 2024. The Company's efficiency ratio improved to 61.05% in 2025 from 68.91% in 2024. Capital ratios exceeded 'well-capitalized' standards, with a CET1 ratio of 12.7% for the Company and 13.5% for the Bank at December 31, 2025. The Board of Directors authorized a new share repurchase plan of up to $55.0 million in January 2026, replacing the 2025 plan under which $23.3 million in shares were repurchased in 2025. Cash dividends declared increased to $1.09 per share in 2025 from $1.04 per share in 2024.