2025 Fourth Quarter Results Discussion of Outlook; President & Chief Executive Officer, Jeffrey G. Ludwig: "Entering 2025, improving credit quality was our number one priority and throughout the year, we took significant steps to reduce our risk in the loan portfolio and strengthen our balance sheet. We have significantly enhanced our credit talent, culture, and underwriting standards in 2025, and while non-performing assets remain above our 0.75% target, we believe the actions taken in 2025 position us wel ...