Net income for 2025 was $76.1 million, an increase of 22.3% from $62.2 million in 2024. Earnings per diluted share increased to $2.51 in 2025 from $2.05 in 2024. Net interest income (taxable equivalent basis) rose by $33.4 million, or 16.5%, to $236.2 million in 2025. The loan portfolio expanded by $312.0 million, or 5.0%, reaching $6.56 billion as of December 31, 2025. Total deposits increased by $241.9 million, or 3.8%, to $6.68 billion as of December 31, 2025. Credit loss expense increased significantly to $14.4 million in 2025 from $4.4 million in 2024, primarily due to an $8.6 million charge-off on a syndicated commercial real estate office loan. The Bank maintained its 'well-capitalized' status, exceeding all minimum regulatory capital requirements. The Board of Directors authorized an expansion of the share repurchase program by 1.5 million shares, bringing the total repurchase capacity to approximately 2.3 million shares.