Net income increased by 28.4% to $33.309 million in 2025, up from $25.938 million in 2024. Net interest income grew 21.4% or $18.4 million in 2025, primarily due to a 56-basis point increase in net interest margin (from 2.72% to 3.28%) and a 60-basis point increase in net interest spread (from 2.05% to 2.65%). Asset yield improved from 5.17% in 2024 to 5.45% in 2025, while the cost of interest-bearing liabilities decreased from 3.12% to 2.80%. Loan growth was just under 6% in 2025, funded by a 44.6% decrease in cash position, a 1.6% increase in deposits, and a 1.3% decrease in investments. Commercial and agricultural portfolios saw significant growth, with agricultural loans increasing 44% or $66.2 million. Noninterest income increased by $1.5 million (9.7%) to $17.1 million in 2025. Noninterest expense increased 11.8% ($8.1 million) to $76.8 million in 2025, partly due to infrastructure/technology investments and higher incentive expense. Provision for credit losses related to loans increased by $1.65 million, predominately resultant from loan growth and, to a lesser extent, some weaker macro-economic data. Nonaccrual loans increased significantly by 260.3% to $11.3 million at December 31, 2025, from $3.1 million in 2024, with one agricultural relationship accounting for $6.3 million. Watch list loan balances (grades 5-8) increased by $102.9 million to $169.4 million at year-end 2025. The Bank opened an additional office in Troy, Michigan, in Q3 2025, bringing total Michigan offices to two, managing over $514 million in loans and $64.6 million in deposits. The Company's previous 3-year strategic plan has closed, and the next 3-year plan is being finalized.