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The company achieved a higher net income and EPS for Q4 2025, supported by stronger net interest income, while maintaining sound credit quality and efficiency.
Net income rose to $44.88 million in Q4, up from $35.85 million in Q4 2024.
EPS increased to $0.43, compared to $0.35 in the same quarter last year.
Net interest income reached $113.2 million, reflecting improved net interest margin.
Annualized net charge-offs decreased to 0.46%, down from 0.61% in Q4 2024.
Management emphasized continued focus on core deposit growth, capital strength, and delivering long-term shareholder value.
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