Net income reached a record $9.2 million, or $1.91 per share, representing a 52.7% increase compared to the first quarter of 2025. The adjusted efficiency ratio improved to a record low of 58.27%, down from 65.64% in the same period last year. Annualized loan growth was 7.5%, driven by a 15% increase in the Western New York Canal Bank division. Net interest margin (NIM) stood at 3.60%, a significant expansion from 2.96% in the first quarter of 2025. Total assets grew to $2.749 billion, supported by a $43.2 million increase in total deposits during the quarter.