Net income for 2025 increased by 19% to $823.8 million, up from $695.0 million in 2024. Diluted net income per common share rose by 11% to $11.40 in 2025, compared to $10.31 in 2024. Net revenue grew by 11% to $2.73 billion in 2025, from $2.45 billion in 2024. Net interest income increased by 13% to $2.22 billion in 2025, driven by a $7.4 billion (13%) increase in average earning assets. Total assets reached $71.1 billion at December 31, 2025, a 10% increase from $64.9 billion in 2024. Total loans, excluding held-for-sale, grew by 11% to $53.1 billion at December 31, 2025, with increases across all major loan portfolios. Total deposits increased by 10% to $57.7 billion at December 31, 2025, reflecting increased marketing efforts and a diversified deposit base. The community banking segment's net income increased by $118.0 million to $576.7 million in 2025, primarily due to higher net interest income. The specialty finance segment's net income rose to $205.3 million in 2025, up from $186.3 million in 2024, driven by loan growth and lower net charge-offs. The wealth management segment reported net income of $41.9 million in 2025, a decrease from $50.0 million in 2024, partly due to a $20.0 million gain from a division sale in Q1 2024 not recurring. The allowance for credit losses increased to $460.2 million at December 31, 2025, a 5% increase from 2024, primarily due to loan growth and macroeconomic forecasts. Net charge-offs decreased to $72.3 million in 2025, down from $94.4 million in 2024.