ADDED
As of February 20, 2026, the registrant had outstanding 67,880,297 shares of common stock, $1.00 par value per share.
federal government shutdown and uncertainty regarding the U.S.
However, you should not place undue reliance on them, which reflect management's opinions only as of the date hereof.
Except as required by law, we disclaim any duty to update any forward-looking statements, all of which are expressly qualified by the statements in this section.
At December 31, 2025, we had approximately $27.52 billion in total assets, $22.14 billion in total loans, $22.38 billion in total deposits and $4.08 billion of shareholders equity.
The Bank provides a full range of traditional banking and lending products, treasury and cash management, insurance premium financing, and mortgage and refinancing services.
Through select lending channels, the Bank also serves consumer and business customers nationwide.
At December 31, 2025, our loan portfolio totaled approximately $22.14 billion, representing approximately 80.5% of our total assets.
For additional discussion of our loan portfolio, see Management s Discussion and Analysis of Financi al Condition and Results of Operations Loans.
The residential real estate mortgage loans that are included in the Company s loan portfolio are usually owner-occupied and generally amortized over a 30-year period and, in the case of adjustable rate loans, repriced after an initial fixed-rate term of five to ten years.
REMOVED
As of February 21, 2025, the registrant had outstanding 69,068,609 shares of common stock, $1.00 par value per share.
We disclaim any duty to update any forward-looking statements, all of which are expressly qualified by the statements in this section.
At December 31, 2024, we had approximately $26.26 billion in total assets, $21.27 billion in total loans, $21.72 billion in total deposits and $3.75 billion of shareholders equity.
At December 31, 2024, our loan portfolio totaled approximately $21.27 billion, representing approximately 81.0% of our total assets.
For additional discussion of our loan portfolio, see Management s Discussion and Analysis of Financial Condition and Results of Operations Loans.
The residential real estate mortgage loans that are included in the Company s loan portfolio are usually owner-occupied and generally amortized over a 20- to 30-year period with three- to five-year maturity or repricing.
During 2021 and 2020, the Company participated in the SBA's Paycheck Protection Program, a temporary product under the SBA's 7(a) loan program created under the Coronavirus Aid, Relief, and Economic Security Act.
Our consumer loans include home improvement, home equity, motor vehicle, loans secured by savings accounts and personal credit lines.
The loan policy provides that lending officers have sole authority to approve loans of various amounts commensurate with their seniority, experience and needs within the market.
Our local market presidents have discretion to approve loans in varying principal amounts up to established limits, and our regional credit officers review and approve loans that exceed such limits.