Net income available to common stockholders decreased to $67.1 million, or $1.17 per diluted share, in 2025, down from $96.0 million, or $1.65 per diluted share, in 2024. Total assets increased by $1.14 billion to $14.56 billion at December 31, 2025, primarily driven by increases in loans and securities. Total loans grew by $913.9 million to $11.03 billion, with the commercial portfolio increasing by $797.1 million. Deposits increased by $898.1 million to $10.96 billion, primarily from time deposits ($387.9 million increase) and interest-bearing deposits ($353.9 million increase). Net interest income increased to $360.2 million in 2025 from $334.0 million in 2024, with net interest margin rising to 2.90% from 2.72%. The company entered into a merger agreement with Flushing Financial Corporation and a concurrent $225 million equity investment agreement with Warburg Pincus, both expected to close in Q2 2026. The company discontinued residential and other consumer loan originations as of October 15, 2025, entering a strategic partnership for residential mortgages. Operating expenses increased to $296.2 million in 2025 from $245.9 million in 2024, impacted by $11.5 million in restructuring charges and $4.3 million in merger-related expenses. Non-performing loans decreased by $7.7 million to $27.8 million at December 31, 2025, while Other Real Estate Owned (OREO) increased to $10.3 million from $1.8 million. The Allowance for Loan Credit Losses (ACL) as a percentage of total loans increased to 0.76% in 2025 from 0.73% in 2024.