SummaryCivista Bancshares (CIVB +5.75%) delivered quarterly and annual net income increases, supported by widened net interest margin and tangible common equity gains, despite acquisition-driven nonrecurring expenses. Management forecasted stable asset quality, disciplined loan growth, an ongoing focus on digital channel expansion, and incremental investment for future franchise scalability. Management confirmed, "We anticipate mid-single-digit loan growth in 2026" and highlighted continued focus on funding to "keep pace with our loan growth." To that end, we muted loan growth by keeping CRE loan rates somewhat elevated. And, Justin, I might just add that we don't want our funding to kind of keep pace with our loan growth.