Net income for the year ended December 31, 2025, reached a record $127.2 million, an increase from $113.9 million in 2024. Diluted earnings per share (EPS) increased to $7.49 in 2025 from $6.71 in 2024. Adjusted net income (non-GAAP) was $129.6 million, with adjusted diluted EPS of $7.64. Net interest income increased by $23.4 million, or 10.1%, to $255.2 million in 2025 compared to the prior year, primarily due to net interest margin (NIM) expansion, strong loan growth, and decreased FHLB borrowings. Loan growth, excluding LIHTC construction loan sales and m2 run-off, was robust at 11.7% for 2025. Core deposit growth was strong at 7% in 2025. Tangible book value (non-GAAP) per share expanded by $7.65, or 15%. Capital markets revenue decreased by $6.359 million, or 8.9%, to $64.7 million in 2025, primarily due to lower swap fees affected by macroeconomic uncertainty in the first half of the year. Noninterest expense increased by $7.9 million, or 3.8%, to $215.6 million in 2025, mainly due to higher professional and data processing fees and occupancy and equipment expenses related to digital transformation. Total assets increased by $549.4 million, or 6%, to $9.6 billion as of December 31, 2025. Total deposits grew by $353.0 million, or 5.0%, to $7.4 billion in 2025, driven by an increase in interest-bearing deposits from core clients and reduced reliance on brokered deposits. Nonperforming assets (NPAs) decreased by $2.2 million to $43.3 million, with the ratio of NPAs to total assets improving to 0.45% from 0.50% in 2024. The allowance for credit losses (ACL) on loans/leases as a percentage of gross loans/leases held for investment was 1.26% in 2025, down from 1.32% in 2024, while ACL to nonperforming loans (NPLs) increased to 213.08% from 202.57%. A new share repurchase program was authorized on October 20, 2025, allowing for the repurchase of up to 1,700,000 shares of common stock, approximately 10% of outstanding shares as of September 30, 2025. The Company discontinued offering new loans and leases through its m2 subsidiary in September 2024, with the portfolio now in run-off.