Net income increased to $344.9 million ($2.15 diluted EPS) in 2025 from $298.7 million ($1.81 diluted EPS) in 2024. Net interest income rose to $868.9 million in 2025 from $807.5 million in 2024, driven by a lower cost of funds and the redeployment of cash flows from lower-yielding investment securities into loans and higher-yielding investment securities. Provision for credit losses increased to $86.0 million in 2025 from $59.9 million in 2024, primarily due to C&I loan growth and a deteriorating economic outlook for commercial real estate property performance and the forecasted CRE price index. Non-interest income increased slightly to $131.9 million in 2025 from $130.7 million in 2024, mainly due to a $1.4 million increase in revenues from mortgage banking activities. Non-interest expenses increased to $498.1 million in 2025 from $487.1 million in 2024; however, adjusted non-interest expenses (excluding special items) increased by $15.5 million, driven by higher employee compensation and a $5.9 million unfavorable variance in net gain on OREO operations. Income tax expense decreased to $71.9 million in 2025 from $92.5 million in 2024, benefiting from a one-time reversal of approximately $16.6 million in valuation allowance related to NOL carryforwards and a lower annual effective tax rate. Total assets decreased by $160.0 million to $19.1 billion as of December 31, 2025, primarily related to a decrease in cash and cash equivalents and total deposits, partially offset by an increase in total loans and an increase in the fair value of available-for-sale debt securities. Total liabilities decreased by $457.6 million to $17.2 billion, driven by a $271.7 million decrease in borrowings and a $201.2 million decrease in deposits. Total stockholders' equity increased by $297.6 million to $2.0 billion, supported by net income and a $212.4 million increase in the fair value of available-for-sale debt securities, partially offset by $150.0 million in common stock repurchases and $115.7 million in common stock dividends declared. Total non-performing assets decreased by $4.2 million to $114.1 million as of December 31, 2025. The Board of Directors declared a quarterly cash dividend of $0.20 per common share, an 11% increase compared to the most recent quarterly dividend paid in December 2025. The Corporation returned approximately $327.4 million, or 95% of 2025 earnings, to shareholders through common stock repurchases, common stock dividends, and the redemption of outstanding trust-preferred securities.