Reported 2025 net income of $68.5 million with diluted earnings per share of $3.27. Achieved a 1.3% return on average assets and 14.4% return on average equity for 2025. Increased cash dividends by 8% to $1.04 per share, returning 31.5% of 2025 earnings to shareholders. Total assets grew to $5.506 billion, representing a 5-year CAGR of 5.5%. Tangible book value per share increased by 13.4% to $23.04. Loan portfolio grew by $237.5 million (5.9%), driven by a 14.3% increase in commercial loans.