For full-year 2025, Civista reported net income of $46.2 million, or $2.64 per diluted share, compared with $31.7 million, or $2.01 per diluted share, in 2024. Excluding acquired Farmers loans, Civista generated $68.7 million of organic net loan growth in the quarter, an annualized growth rate of 8.7%. In the fourth quarter, Civista expanded online account opening to checking and money market accounts and rolled out a deposit product redesign initiative. Past-due loans rose $7 million during the quarter and non-performing loans increased $8.5 million to $31.3 million. Beyond traditional banking, Civista Bancshares provides wealth management, trust and investment advisory services under the Civista Wealth Enterprises brand.