Net income for 2025 increased by 5.8% to $121.6 million, up from $114.9 million in 2024. Diluted earnings per share rose by 6.9% to $3.70 in 2025, compared to $3.46 in 2024. Net interest income on a fully tax equivalent (FTE) basis grew by 5.8% to $351.9 million. Total interest expense decreased by $15.5 million, or 11.4%, to $119.7 million in 2025. The FTE net interest margin expanded by 18 basis points to 3.89% in 2025. Average earning assets increased by $75.8 million, or 0.8%, in 2025. Average loans and leases increased by $166.3 million, or 2.5%, in 2025. The provision for credit losses increased by $5.4 million to $12.1 million in 2025, primarily due to loan growth and elevated charge-offs. Noninterest income increased by $3.9 million, or 6.1%, to $68.3 million. Noninterest expenses increased by $6.9 million, or 2.9%, to $241.0 million. The tangible common equity to tangible assets ratio improved by 99 basis points to 10.71% at December 31, 2025. Total assets stood at $9.822 billion at December 31, 2025. Total loans, net of deferred loan fees, reached $7.111 billion, a 5.1% increase from 2024. Total deposits increased by 2.2% to $8.264 billion at December 31, 2025. Total other borrowings significantly decreased by 86.9% to $11.713 million. Nonperforming assets increased by 50.3% to $70.5 million at December 31, 2025, from $46.9 million in 2024. Nonperforming loans to total loans increased to 0.90% at December 31, 2025, from 0.65% in 2024. The company repurchased 709,172 shares of common stock in 2025 under the 2021 Repurchase Plan. A new 2025 Share Repurchase Program was approved by the Board for up to 2,000,000 shares, replacing the prior plan.