Interest income fell to $73.4 million from$82.6 million a year earlier, with Copeland citing the swap impact, lower average loan balances, and lower average market interest rates versus the prior-year period. Interest expense totaled $24.3 million , and management said funding costs declined as deposit and borrowing costs moderated. Copeland also noted the company repaid$75 million of subordinated debt in June 2025, contributing to $1.1 million less interest expense in the fourth quarter compared with the ...