sonal service and local decision-mak- ing that defines community banking at its best. Our people are central to everything we do. The dedication, expertise, and integrity of our employees are the foundation of our success. In 2025, we continued to prioritize talent develop- ment, and a culture of accountability and service. I am proud of how our team serves customers every day and represents our Bank in the communi- ties we call home. As we look ahead, we remain confi- dent—but measured. The economic environment will continue to evolve, and challenges will arise. But with a strong balance sheet, a proven strate- gy, experienced leadership, a dedicat- ed and talented employee base, and a clear focus on our customers and communities, we are built to navigate whatever lies ahead, while continuing to provide an above-average return for our shareholders. On behalf of our Board of Directors and the entire team, thank you for your continued trust and support. We are proud of what we have ac- complished and optimistic about the opportunities before us.
Sincerely,
President & Chief Executive Officer
2025 Annual Report | 3
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