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1/15/2026
Brian
President & CEO
and we improve balance sheet profitability through a better loan mix and pricing, disciplined control of deposit costs, and tighter integration of deposits within our client relationships.
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One example driving improved profitability is the year-over-year improved
Brian
President & CEO
With more clarity around economic conditions and regulatory trends, we believe we can continue to return additional capital to our shareholders while continuing to invest in growth opportunities. As you will see in our slide presentation, we are optimistic about our ability to improve profitability and continue to grow earnings in 2026. I'll now hand the call over to Hope to walk through the results of the fourth quarter. in more detail and provide some closing comments at the end of the call.
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