Net earnings for fiscal year 2025 increased by $8.6 million, or 4.28%, to $209.3 million, compared to $200.7 million in 2024. Diluted earnings per share rose by $0.08, or 5.61%, to $1.52 in 2025 from $1.44 in 2024. Net interest income increased by $12.9 million, or 2.89%, to $460.3 million in 2025, driven by a reduction in overall cost of funds. The net interest margin (tax equivalent) expanded to 3.36% in 2025 from 3.09% in 2024. Total assets grew by $477.4 million, or 3.15%, reaching $15.63 billion at December 31, 2025. Total loans and leases, at amortized cost, increased by $162.8 million, or 1.91%, to $8.70 billion at December 31, 2025. Nonperforming loans significantly decreased by $23.1 million to $4.7 million at December 31, 2025, representing 0.05% of total loans. The allowance for credit losses (ACL) decreased by $2.9 million to $77.2 million, representing 0.89% of total loans at December 31, 2025, down from 0.94% in 2024. The Company repurchased 4,321,777 shares of common stock for $80.4 million in 2025, at an average price of $18.60. A pending all-stock merger with Heritage Commerce Corp. is expected to close in the second quarter of 2026, creating a combined entity with approximately $22 billion in assets.