Net income for the year ended December 31, 2025, increased by $73.2 million, or 18.2%, to $475.4 million, up from $402.2 million in 2024. Diluted earnings per share rose to $2.41 in 2025 from $2.01 in 2024. Total assets increased by $391.1 million to $22.88 billion as of December 31, 2025, primarily due to a $921.7 million increase in loans receivable. Total deposits grew by $333.7 million to $17.48 billion as of December 31, 2025. The net interest margin on a fully taxable equivalent basis improved to 4.51% in 2025 from 4.27% in 2024. Non-performing loans decreased to $85.0 million, or 0.54% of total loans, in 2025 from $98.9 million, or 0.67%, in 2024. The allowance for credit losses as a percentage of non-performing loans increased to 350.17% in 2025 from 278.99% in 2024. The Company repurchased $20.0 million of its 3.125% Fixed-to-Floating Rate Subordinated Notes due 2032 in an open-market transaction on September 4, 2025, resulting in a $1.9 million gain. A stock repurchase program was renewed on January 17, 2025, authorizing the repurchase of up to 20,000,000 shares, with 2,890,706 shares repurchased in 2025. The Company is currently anticipating completing its proposed acquisition of Mountain Commerce Bancorp, Inc. (MCBI) during the second quarter of 2026, involving the issuance of approximately 5.4 million shares of its common stock. The Federal Reserve reduced the target rate three times in 2025: to 4.00%-4.25% on September 17, 2025; to 3.75%-4.00% on October 29, 2025; and to 3.50%-3.75% on December 10, 2025.