Net income increased to $91.7 million in 2025, up from $78.9 million in 2024 and $68.9 million in 2023. Diluted earnings per share rose to $3.83 in 2025, compared to $3.30 in 2024 and $3.15 in 2023. Total assets reached $7.97 billion at December 31, 2025, an increase from $7.52 billion at December 31, 2024. Net loan balances grew by 6.0% to $5.94 billion at December 31, 2025, from $5.60 billion at December 31, 2024, primarily due to organic growth. Total deposit balances increased to $6.40 billion at December 31, 2025, from $6.06 billion at December 31, 2024, driven by growth in CDs, brokered CDs, and non-interest-bearing deposits. Net interest margin (tax effected) improved to 3.70% in 2025 from 3.34% in 2024, attributed to improved loan yields and decreased funding costs. Net interest income increased by $27.5 million (11.8%) to $256.2 million in 2025. Non-interest income decreased to $93.1 million in 2025 from $96.3 million in 2024, mainly due to losses on the sale of low-performing securities. Non-interest expenses increased to $222.2 million in 2025 from $215.0 million in 2024, primarily due to higher incentive compensation. Provision for credit losses increased to $9.9 million in 2025 from $5.6 million in 2024, reflecting an expected return to a normal credit cycle. Nonperforming loans increased to $31.9 million at December 31, 2025, from $29.8 million at December 31, 2024. The ratio of allowance for credit losses to nonperforming loans was 234.4% at December 31, 2025. Capital ratios remained strong, exceeding well-capitalized standards, with a Total Risk-based capital ratio of 15.67% and a Tier 1 leverage ratio of 11.07% at December 31, 2025. The Company acquired Ray Farm Management Services, Inc.'s customer list for $764,000 and a portion of AAdvantage Insurance Group LLC's customer list for $2.8 million during 2025. A merger agreement to acquire Two Rivers Financial Group, Inc. is pending, anticipated to close on February 28, 2026, involving approximately 2,556,140 shares of Company common stock.