Net income available to common shareholders increased by $102.9 million to $381.4 million for the year ended December 31, 2025, compared to $278.5 million in 2024. Diluted earnings per share (EPS) rose to $2.08 in 2025, a $0.51 increase from $1.57 in 2024. Net Interest Margin (NIM) improved by 9 basis points to 3.51% in 2025, up from 3.42% in 2024. Net interest income increased by $76.0 million to $1.0 billion in 2025. Provision for credit losses decreased to $35.7 million in 2025 from $71.6 million in 2024. Non-interest expense decreased by $28.0 million to $791.8 million in 2025. The Corporation repurchased 3.3 million shares of common stock at a total cost of $59.7 million, or an average of $18.16 per share, under the 2025 Repurchase Program. Total assets increased by $46.6 million to $32.1 billion as of December 31, 2025. Total deposits increased by $460.0 million, or 1.8%, to $26.6 billion as of December 31, 2025. Total borrowings decreased by $484.7 million, or 27.2%, to $1.3 billion as of December 31, 2025. Total shareholders' equity increased by $293.1 million, or 9.2%, to $3.5 billion, representing 10.9% of total assets. Non-accrual loans as a percentage of net loans decreased to 0.64% in 2025 from 0.79% in 2024. The effective tax rate was 19.4% in 2025, compared to 16.2% in 2024.