A net loss of $124.3 million was reported for the year ended December 31, 2025, compared to net income of $38.0 million in 2024. Diluted loss per common share was $6.12 in 2025, a decrease from diluted earnings per common share of $1.32 in 2024. A goodwill impairment expense of $154.0 million was recognized in the first quarter of 2025. A $21.4 million loss was incurred on the sale of substantially all of the equipment finance portfolio during the fourth quarter of 2025. Net interest income slightly increased by $0.5 million to $236.8 million in 2025. The provision for credit losses decreased by $60.5 million to $59.8 million in 2025. Total assets decreased by $1.0 billion to $6.51 billion at December 31, 2025, from $7.51 billion at December 31, 2024. Total loans decreased by $815.6 million, or 15.8%, to $4.35 billion at December 31, 2025, primarily due to non-core portfolio sales. Nonperforming loans decreased to $65.5 million, or 1.50% of total loans, at December 31, 2025, from $150.9 million, or 2.92%, at December 31, 2024. The allowance for credit losses on loans decreased to $69.2 million, or 1.59% of total loans, at December 31, 2025, from $111.2 million, or 2.15%, at December 31, 2024. Total deposits decreased by $772.9 million to $5.42 billion at December 31, 2025. Shareholders' equity decreased by $145.3 million to $565.5 million at December 31, 2025. The board of directors authorized a new $25.0 million share repurchase program through November 2, 2026, with $9.6 million repurchased by December 31, 2025. Subordinated notes totaling $50.8 million with an interest rate of 7.91% were redeemed on September 30, 2025. Internal control over financial reporting was deemed effective as of December 31, 2025, following the remediation of previously identified material weaknesses.