Net income available to common shareholders increased by 25.7% to $209.2 million for the year ended December 31, 2025, compared to $166.4 million in 2024. Net interest income rose by 14.7% to $750.5 million in 2025, up from $654.4 million in 2024, primarily due to lower interest expense on deposits and higher average loan balances. Net Interest Margin (NIM) improved by 17 basis points to 3.32% in 2025 from 3.15% in 2024, driven by a favorable shift in deposit mix and lower market interest rates on deposits. Total assets grew by 11.6% to $24.9 billion at December 31, 2025, from $22.3 billion at December 31, 2024. Total deposits increased by 10.3% to $20.8 billion at December 31, 2025, from $18.8 billion at December 31, 2024, with a favorable shift towards lower-cost deposits. Total loans and leases receivable, net of allowance for credit losses, increased by 16.0% to $16.6 billion at December 31, 2025, from $14.3 billion at December 31, 2024. Non-performing loans (NPLs) decreased to 0.26% of total loans and leases at December 31, 2025, from 0.30% at December 31, 2024. Net charge-offs decreased to $59.4 million (38 basis points of average total loans and leases) in 2025, from $68.3 million (50 basis points) in 2024. The company maintained strong liquidity with $10.6 billion immediately available, covering approximately 124% of uninsured deposits at December 31, 2025. All regulatory capital ratios exceeded minimum Basel III requirements, with Common Equity Tier 1 capital ratio at 12.992% for Bancorp and 13.252% for Bank at December 31, 2025. Redeemed all outstanding Series E and Series F Preferred Stock for an aggregate payment of $142.5 million in 2025. Launched a new proprietary B2B instant payments platform, cubiX, in November 2024, replacing the blockchain-based CBIT platform. Issued $100 million in 6.875% Fixed-to-Floating Rate Subordinated Notes due 2036 in December 2025. Reissued common stock held as treasury stock in an underwritten public offering, generating $163.5 million in net proceeds in September 2025. Authorized a new common stock repurchase program of up to $100.0 million in February 2026.