Net income for the year ended December 31, 2025, increased to $542.8 million, up from $479.4 million in 2024 and $419.3 million in 2023. Diluted earnings per share rose to $5.72 in 2025, compared to $5.05 in 2024 and $4.51 in 2023. Net interest income before provision for credit losses increased by $55.0 million (5.4%) to $1.08 billion in 2025, from $1.03 billion in 2024. The efficiency ratio improved to 44.55% in 2025, down from 48.43% in 2024 and 50.26% in 2023, indicating better operational efficiency. Total assets decreased by $1.10 billion (2.8%) to $38.46 billion at December 31, 2025, from $39.57 billion at December 31, 2024. Total deposits saw a modest increase of $101.1 million (0.4%) to $28.48 billion at December 31, 2025, compared to $28.38 billion at December 31, 2024. Total loans decreased by $343.8 million (1.6%) to $21.81 billion at December 31, 2025, from $22.15 billion at December 31, 2024. Nonperforming assets increased to $150.8 million at December 31, 2025, up from $81.5 million at December 31, 2024, representing 0.69% of total loans and other real estate. The allowance for credit losses on loans decreased to $333.7 million (1.53% of total loans) at December 31, 2025, from $351.8 million (1.59% of total loans) at December 31, 2024. Net charge-offs for 2025 were $18.1 million, an increase from $14.6 million in 2024. The company completed the acquisition of Lone Star State Bancshares, Inc. on April 1, 2024, adding 5 banking offices and resulting in $106.7 million in goodwill. Subsequent to year-end, the company completed the acquisitions of American Bank Holding Corporation on January 1, 2026, and Southwest Bancshares, Inc. on February 1, 2026. A pending acquisition of Stellar Bancorp, Inc. was announced on January 28, 2026, valued at approximately $2.00 billion, involving the issuance of 0.3803 shares of common stock and $11.36 in cash per Stellar share. The company repurchased approximately 2.3 million shares of its common stock at an average weighted price of $67.04 per share during 2025.