Transaction Summary TrergaanrsdaicntgioNnoOnv-GerAviAewP f•inMaKncSiadlemlievaesrusrfeosu.nRdeaftlieocntaslrteepcohrnteodloagmyosuonlutstioasnsoftoSleepatdeimngbeerd3g0e,s2e0m2i5coansdaudcjtuosrtemdatnourfeafcletucrtin(ig),ae$le1c0tr0omniiclslioandvpoalucnktaagriyndge, batndprseppeacyimaletyntinmdaudsetriianlOapcptolibcearti2o0n2s5•,$a3n,d83(i2i)M3LthTeMDQec3em20b2e5r R20e2v5enaumeo1rt•iz$a1ti,o0n16pMayLmTeMntsQo3f $21002.52Cmreildliiot nAognretehme eUnSt DAdTjeursmtedLEoaBnITBDaAnd2€22.•1MmKilSlioins soene ...

Financial Performance - City Holding Company reported record net income of $130.5 million and diluted earnings of $8.93 per share for the year ended December 31, 2025, achieving a return on assets of 1.97% and a return on tangible equity of 21.2%[2] - Net Income available to common shareholders for the twelve months ended December 31, 2025, was $130,485,000, up from $117,101,000 in 2024, representing a growth of 11.5%[29] - Earnings per share (EPS) for the year ended December 31, 2025, was $8.94, compared to $7.91 in 2024, indicating a year-over-year increase of 13.0%[29] - Net Income Available to Common Shareholders for the three months ended December 31, 2025, was $31,568,000, compared to $28,654,000 for the same period in 2024, representing an increase of 10.3%[33] Income and Revenue - Net interest income increased by $16.1 million, or 7.3%, from $221.1 million in 2024 to $237.2 million in 2025, driven by an increase in average loan balances and a decrease in the cost of interest-bearing liabilities[4] - Non-interest income rose to $77.8 million for the year ended December 31, 2025, compared to $73.3 million in 2024, with a 2.9% increase in core non-interest income[11] - Total Interest Income for the three months ended December 31, 2025, was $81,447,000, an increase from $78,820,000 for the same period in 2024, representing a growth of 2.4%[32] - Net Interest Income for the three months ended December 31, 2025, was $60,825,000, compared to $55,790,000 for the same period in 2024, reflecting an increase of 9.1%[29] Asset and Loan Growth - Total loans increased by $232.2 million, or 5.4%, to $4.51 billion at December 31, 2025, with significant growth in commercial and industrial loans by 8.1%[17] - Total Assets as of December 31, 2025, were $6,722,018,000, an increase from $6,459,459,000 as of December 31, 2024, reflecting a growth of 4.1%[34] - The total gross loans increased to $4,507,005, up from $4,412,775 in the previous quarter, representing a growth of 2.0%[36] - The commercial and industrial loan portfolio grew to $453,975, up from $426,654 in the previous quarter, reflecting a growth of 6.0%[36] Deposits and Liquidity - Period-end deposit balances increased by $156.8 million, or 3.0%, from December 31, 2024, to December 31, 2025, with average depository balances rising by $192.8 million[18] - The Company maintained a gross loan to deposit ratio of 85.0% and a gross loan to asset ratio of 67.0% at December 31, 2025, indicating solid liquidity management[20] - Total Deposits as of December 31, 2025, were $5,300,988,000, compared to $5,144,150,000 as of December 31, 2024, indicating an increase of 3.1%[34] Expenses and Efficiency - Non-interest expenses increased by $6.9 million, or 4.7%, from $147.2 million in 2024 to $154.1 million in 2025, primarily due to salary adjustments and increased health insurance costs[15] - The efficiency ratio for the twelve months ended December 31, 2025, was 48.2%, compared to 48.8% in 2024, indicating improved operational efficiency[30] Capital and Equity - The tangible equity ratio improved from 9.1% at December 31, 2024, to 9.9% at December 31, 2025, reflecting strong capitalization[23] - Stockholders' equity increased to $808,947, compared to $747,143 a year earlier, indicating a strong capital position[39] - The CET I capital ratio at period-end was 16.94%, slightly down from 17.19% in the previous quarter[30] Dividends and Share Repurchase - The Board of Directors approved a quarterly cash dividend of $0.87 per share, payable on January 30, 2026, as part of a share repurchase plan[25] - The company repurchased 141,000 treasury shares at an average price of $119.12 during the three months ended December 31, 2025[30] Credit Quality - The ratio of nonperforming assets to total loans decreased from 0.35% at December 31, 2024, to 0.32% at December 31, 2025, indicating improved credit quality[9] - The allowance for loan losses at the end of the period was $19,862, which is 0.44% of loans outstanding, slightly down from 0.45% in the previous quarter[37] - Total non-performing loans amounted to $13,919, with non-performing assets as a percentage of loans and other real estate owned at 0.32%[38] Market Activity - The average daily trading volume for the three months ended December 31, 2025, was 90,000 shares, compared to 76,000 shares in the previous quarter[30] - New DDA accounts for 2025 totaled 31,427, with a net increase of 3,548 accounts, reflecting a growth rate of 1.4%[48]

Financial Performance - Plumas Bancorp reported Q4 2025 net income of $10.9 million, or $1.58 per share, an increase of 41.56% from $7.7 million, or $1.31 per share in Q4 2024[1]. - For the year ended December 31, 2025, net income was $29.6 million, or $4.60 per share, a slight increase from $28.6 million, or $4.85 per share in 2024[2]. - Net income for 2025 was $29.6 million, a 3.5% increase from $28.6 million in 2024[67]. - Basic earnings per share for the year ended December 31, 2025, was $4.60, a decrease of 5.2% from $4.85 in 2024[71]. - Diluted earnings per share for the year ended December 31, 2025, was $4.54, down from $4.80 in 2024, reflecting a 5.4% decline[71]. Asset and Loan Growth - Gross loans increased by $497 million, or 49%, to $1.5 billion, while total deposits rose by $439 million, or 32%, to $1.8 billion[6]. - Total assets grew by 37.9% from $1.6 billion in 2024 to $2.2 billion in 2025, driven by a 48.8% increase in net loans[64]. - The distribution of total gross loans at December 31, 2025, was $1,512,056 thousand, up from $1,015,424 thousand in 2024[89]. - Commercial real estate loans at December 31, 2025, totaled $1,002,627 thousand, compared to $646,378 thousand in 2024[90]. Equity and Shareholder Value - Shareholder's equity increased by $83 million, or 47%, to $261 million, with book value per share rising by $7.38, or 24%, to $37.52[6]. - Shareholders' equity at the end of 2025 was $261,076 thousand, up from $177,900 thousand in 2024, reflecting a growth of 47%[71]. - Book value per common share increased to $37.52 in 2025 from $30.14 in 2024, a rise of 24.5%[71]. Income and Expenses - Net interest income for the year ended December 31, 2025, was $87.8 million, an increase of $14.1 million from the previous year[43]. - Non-interest income for the year ended December 31, 2025, totaled $10.5 million, an increase of $1.7 million from the previous year[52]. - Total non-interest expense for the year ended December 31, 2025, rose by 22.7% to $51,854 thousand from $42,274 thousand in 2024[87]. - Total non-interest expense increased by $9.6 million from $42.3 million in 2024 to $51.9 million in 2025, with salary and benefit expenses contributing $4.3 million to this increase[53]. Credit Quality and Risk - Nonperforming loans increased to $15.1 million, or 1.0% of total loans, up from $4.1 million, or 0.40% in the previous year[18]. - Provision for credit losses rose significantly by 472.7% from $1.2 million in 2024 to $6.9 million in 2025[67]. - Allowance for credit losses increased to $19,959 thousand in 2025 from $13,196 thousand in 2024, representing a 51.5% increase[71]. - Nonperforming loans as a percentage of total loans rose to 1.00% in 2025 from 0.40% in 2024, indicating a significant increase of 150%[71]. Acquisition Impact - The acquisition of Cornerstone Community Bancorp added $658 million in total assets, including $478 million in gross loans and $580 million in deposits[8]. - Non-recurring expenses related to the acquisition totaled $7.3 million, with non-GAAP net income for 2025 estimated at $35.0 million, resulting in diluted earnings per share of $5.37[9]. - The Company assumed obligations of $12 million in subordinated notes as a result of the merger, including $2 million in 4.75% notes due 2035 and $10 million in 4.75% notes due 2030[24]. - The acquisition of CCB contributed to a $3.0 million increase in salary expenses, impacting overall non-interest expenses[53]. Interest Rates and Margins - The average rate paid on interest-bearing deposits increased from 0.92% in 2024 to 1.43% in 2025[48]. - Net interest margin for the year ended December 31, 2025, increased by 12 basis points to 4.91%[49]. - Interest expense increased by $3.2 million to $13.9 million for the year ended December 31, 2025, primarily due to the acquisition of Cornerstone[47]. Liquidity Management - The Company managed liquidity through competitive deposit rates and established lines of credit, with the ability to borrow up to $400 million from the FHLB[30].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Date of Report (Date of earliest event reported): January 21, 2026 WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 NANO DIMENSION LTD. (Exact name of registrant as specified in its charter) State of Israel (State or Other Jurisdiction of Incorporation) 001-37600 52-0029109 (Commission File Number) (I.R.S. Employer Identification No.) 60 Tower Road Waltham, MA 02451 (Address of Principal Exe ...

Financial Performance - Community Trust Bancorp, Inc. reported record net income of $27.3 million for Q4 2025, an increase of 14.8% from $23.9 million in Q3 2025 and 21.5% from $22.5 million in Q4 2024[1]. - Earnings per share for Q4 2025 were $1.51, up from $1.33 in Q3 2025 and $1.25 in Q4 2024, while full-year earnings per share reached $5.44, a 17.9% increase from $4.61 in 2024[1]. - Net interest income for Q4 2025 was $58.1 million, representing a 4.6% increase from Q3 2025 and a 17.3% increase from Q4 2024[2]. - Noninterest income for Q4 2025 was $16.6 million, a 4.1% increase from Q3 2025 and a 2.7% increase from Q4 2024[6]. - Net income for the year ended December 31, 2025, was $98.058 million, a 18.4% increase from $82.813 million in 2024[21]. - Basic earnings per share for Q4 2025 were $1.51, up from $1.25 in Q4 2024, representing a 20.8% increase[21]. - The return on average assets improved to 1.63% in Q4 2025, compared to 1.47% in Q4 2024[21]. Loan and Deposit Growth - The loan portfolio increased to $4.9 billion, up $101.0 million or 8.4% from the prior quarter and $408.3 million or 9.1% from the prior year[3]. - Total loans outstanding as of Q4 2025 reached $4.9 billion, an increase of $101.0 million (2.1%) from the prior quarter and $408.3 million (9.1%) from the prior year[10]. - Deposits, including repurchase agreements, rose to $5.7 billion, an increase of $27.5 million or 1.9% from the prior quarter and $387.5 million or 7.3% from the prior year[3]. - Total deposits reached $5.389 billion as of December 31, 2025, compared to $5.070 billion a year prior, reflecting a 6.3% increase[24]. Asset Quality - Total nonperforming loans decreased to $19.2 million, down $5.5 million from the prior quarter and $7.5 million from the prior year[3]. - The provision for credit losses for Q4 2025 was $2.9 million, a decrease of $1.0 million from the prior quarter but an increase of $0.3 million from the same quarter last year[16]. - The reserve coverage ratio (allowance for credit losses to nonperforming loans) improved to 314.0% as of December 31, 2025, compared to 239.5% at September 30, 2025[16]. - The company reported net charge-offs of $7.431 million for the year, an increase from $5.526 million in the previous year[21]. Operational Efficiency - The efficiency ratio improved to 48.70% in Q4 2025, down from 50.86% in Q3 2025 and 51.60% in Q4 2024[1]. - The efficiency ratio improved to 48.70% in Q4 2025, down from 51.60% in Q4 2024, showing enhanced operational efficiency[21]. Branch and Market Expansion - The company is consolidating two branches into a newly constructed modern branch to enhance service delivery in the Mt. Sterling Market[8]. - The company operates 72 banking locations across Kentucky and additional locations in West Virginia and Tennessee, supporting its market expansion strategy[19]. Investment and Asset Growth - The investment portfolio increased to $1.1 billion, up $82.9 million (31.6%) from the prior quarter and $65.4 million (6.2%) from the prior year[11]. - Total assets as of December 31, 2025, were $6.684 billion, up from $6.193 billion a year earlier, indicating an 8.0% growth[24]. - Average loans increased to $4.821 billion in Q4 2025, compared to $4.399 billion in Q4 2024, marking a 9.6% rise[21].

Financial Performance - Prologis reported total revenues of $2.25 billion for Q4 2025, a slight increase from $2.20 billion in Q4 2024[5]. - Net earnings attributable to common stockholders for Q4 2025 were $1.40 billion, compared to $1.28 billion in Q4 2024, reflecting a year-over-year growth of 9.5%[11]. - Core FFO attributable to common stockholders for Q4 2025 was $1.38 billion, down from $1.44 billion in Q4 2024, indicating a decrease of 4.2%[5]. - The company reported a net earnings of $414,017,000 for the same period, with a core FFO of $730,309,000[33]. - Consolidated Property NOI for Q4 2025 was $1,588,885, an increase from $1,499,039 in Q4 2024, reflecting a growth of 5.9%[48]. - Rental revenues for Q4 2025 reached $2,092,107, up from $1,937,507 in Q4 2024, marking an increase of 8.0%[48]. Guidance and Projections - The company anticipates 2026 Core FFO guidance between $6.00 and $6.20 per share, with net earnings guidance of $3.70 to $4.00 per share[9]. - Prologis' development stabilizations for 2026 are projected to be between $2.25 billion and $2.75 billion, with development starts expected to range from $3.00 billion to $4.00 billion[9]. - Core FFO guidance for 2025 is projected between $6.00 and $6.20 per share, with net earnings attributable to common stockholders estimated at $3.70 to $4.00 per share[45]. Occupancy and Leasing - Prologis' average occupancy rate is projected to be between 94.75% and 95.75% for 2026[9]. - Average occupancy for the operating portfolio was 95.8% in Q4 2025, compared to 94.8% in Q4 2024[14]. - Total square feet of leases commenced in Q4 2025 was 43,764, a decrease from 65,603 in Q3 2025[15]. - The total square footage of the Operating Portfolio was 1,207,391,000 square feet, with an occupancy rate of 95.8%[20]. Assets and Liabilities - Total assets as of December 31, 2025, were $98.72 billion, with total liabilities of $40.97 billion[10]. - The company reported a gross AUM of $230 billion, with Prologis share AUM at $162 billion[4]. - The total value of assets under management reached $163,081,534,000, with G&A as a percentage of assets under management at 0.37%[45]. Development and Investment - The company owned or had investments in properties totaling approximately 1.3 billion square feet across 20 countries as of December 31, 2025[3]. - Total development stabilizations for the year reached 12,519,000 square feet, generating an annualized estimated NOI of $151,803,000[23]. - The company has signed leases totaling 67 million square feet expiring in 2026, representing 4.7% of total net effective rent[21]. - Total development starts reached 5,203 square feet with a total estimated investment (TEI) of $1,110,619, representing a 49.6% increase[24]. Debt and Financial Ratios - Debt as a percentage of gross market capitalization was 24.6%, down from 26.5% in the previous quarter, indicating improved leverage[35]. - The fixed charge coverage ratio was reported at 5.9x, reflecting the company's ability to cover fixed charges comfortably[35]. - The weighted average interest rate on debt was 3.3%, with a remaining maturity of 8.2 years, indicating a stable debt profile[35]. - The debt to Adjusted EBITDA ratio increased to 5.3x from 5.0x in the previous quarter[43]. Cash Flow and Expenses - Total current income tax expense for the twelve months ended December 31, 2025, was $204,017,000, compared to $166,943,000 in 2024, reflecting an increase of about 22.2%[46]. - Gross interest expense for the twelve months ended December 31, 2025, was $1,023,805,000, up from $892,612,000 in 2024, indicating a rise of approximately 14.7%[46]. - Capitalized G&A expenses for the twelve months ended December 31, 2025, totaled $175,068,000, compared to $188,800,000 in 2024, showing a decrease of about 7.3%[45]. Customer and Market Insights - The top customer, Amazon, occupies 169,160 square feet, contributing 11.3% to the net effective rent[21]. - The weighted average term of leases remaining based on net effective rent is 3.9 years for the top customers[21]. - The U.S. accounted for 84.6% of the total NOI, with $1,715,249,000, while total NOI outside the U.S. was $740,377,000[19].

Financial Performance - Full-Year 2025 earnings per share (EPS) was $2.37, with adjusted EPS of $3.81, while fourth quarter EPS was $0.95, adjusted EPS at $1.09[2] - Full-Year 2025 total net revenue reached $7.9 billion, with pre-tax income of $1.1 billion and a return on common equity (ROCE) of 6.0%[3] - The company reported a GAAP Net Income Attributable to Common Shareholders of $742 million for FY 2025, compared to $558 million in FY 2024, marking a 33% increase[71] - Total Net Revenue for FY 2025 was $7,914 million, a decrease from $8,181 million in FY 2024[74] - Adjusted Total Net Revenue increased to $8,451 million in FY 2025 from $8,243 million in FY 2024[76] - Core Pre-Tax Income rose to $1,628 million in FY 2025, up from $1,047 million in FY 2024, showcasing strong profitability growth[76] Revenue and Financing - Fourth quarter net financing revenue was $1.6 billion, an increase of $89 million year-over-year, with a net interest margin (NIM) of 3.48%, up 18 basis points[15] - Net financing revenue in Q4 2025 was $1.3 billion, a decrease of $34 million year-over-year, driven by lower average commercial balances and lease vehicle termination mix dynamics[28] - Net Financing Revenue (excluding Core OID) increased to $6,242 million in FY 2025 from $6,070 million in FY 2024[76] - The average retail deposit portfolio yield was 3.35% for Q4 2025, down 62 basis points year-over-year and down 13 basis points quarter-over-quarter[45] Credit and Losses - Provision for credit losses decreased by $689 million year-over-year, primarily due to improvements in retail auto net charge-offs (NCOs) and the sale of Credit Card[22] - Provision for credit losses totaled $478 million, down $17 million year-over-year, with a retail auto net charge-off rate of 2.14%, decreasing 20 basis points year-over-year[30] - GAAP Provision for Credit Losses decreased to $1,477 million in FY 2025 from $2,166 million in FY 2024, reflecting improved credit quality[76] Deposits and Customer Base - Retail deposits grew to $143.5 billion, serving 3.5 million customers, marking 17 consecutive years of growth[3] - Retail deposits reached $143.5 billion, up $99 million year-over-year and up $1.7 billion quarter-over-quarter, representing 87% of Ally's funding portfolio[44] - Customer retention rate improved to 85%, up from 80% in the previous quarter[91] Strategic Initiatives - The company executed a $2 billion open-ended share repurchase program, signaling confidence in future performance[3] - The company has made strategic repositioning efforts related to extinguishing high-cost legacy debt, which is expected to enhance financial stability[66] - The company anticipates continued focus on strategic initiatives to enhance its market position and financial performance moving forward[85] Insurance Performance - Insurance segment achieved record written premiums of $1.5 billion, demonstrating strong growth and synergies with Auto Finance[6] - Insurance pre-tax income in Q4 2025 was $91 million, an increase of $55 million year-over-year, supported by $369 million of earned premiums[34] - Full-year 2025 pre-tax income for Insurance was $200 million, up $32 million year-over-year, primarily due to an increase in the fair value of equity securities[36] Operational Efficiency - Adjusted Efficiency Ratio improved to 51.9% in FY 2025 from 54.1% in FY 2024, indicating enhanced operational efficiency[74] - Noninterest expense for the full year increased by $207 million, mainly due to goodwill impairment associated with the sale of Credit Card[23] - Adjusted Noninterest Expense (excluding repositioning) was $5,041 million in FY 2025, slightly up from $5,029 million in FY 2024[76] Future Outlook - The company expects Q4 2023 revenue guidance of $1.7 billion, indicating a 13% growth from Q3 2023[91] - New product launch scheduled for Q1 2024, anticipated to drive an additional $200 million in revenue[91] - Market expansion efforts in Europe projected to contribute an additional $100 million in revenue by mid-2024[91] - Investment in R&D increased by 25% to $300 million, focusing on innovative technologies[91]

Revenue and Earnings Projections - 2025 revenue is estimated to be between $1,128 million and $1,138 million, down from previous guidance of $1,150 million to $1,175 million[2] - GAAP EPS for 2025 is expected to be between $3.21 and $3.26, significantly lower than the previous guidance of $3.67 to $3.77[2] - Adjusted EBITDA for Q4 2025 is estimated to be between $35 million and $37 million, down from previous guidance of $48 million to $53 million[2] - Operating income for 2025 is projected to be between $121 million and $123 million, compared to previous guidance of $141 million to $145 million[2] Business Segments Performance - The residential segment showed participation gains, which helped offset the impact of slower market conditions and inventory adjustments[3] - The mail and package business is experiencing solid order flow entering 2026, indicating potential growth[5] - Adjusted net sales for the year ended December 31, 2024, totaled $1.012980 billion, with residential segment sales at $772.140 million and agtech sales at $152.811 million[23] - Adjusted operating profit for the year was $148.502 million, resulting in an adjusted operating margin of 14.7%[23] - For the three months ended December 31, 2024, adjusted net sales were $229.325 million, with an adjusted operating profit of $32.687 million[21] - The company reported an adjusted operating margin of 14.3% for the three months ended December 31, 2024[21] Cash Flow and Financial Health - Total backlog increased over 100% entering 2026, with a cash balance of $115 million[1] - Free cash flow for the year was $158.570 million, representing 15.7% of adjusted net sales[23] - Adjusted EBITDA for the year was $177.450 million, with an adjusted EBITDA margin of 17.5%[23] Strategic Initiatives and Acquisitions - The company anticipates benefits from price increases and cost reduction initiatives implemented in Q4 2025[5] - The acquisition of Omnimax is expected to close in Q1 2026, contributing to strengthening the business[5] - Agtech project volume is shifting out of 2025, but bookings and backlog have more than tripled compared to last year[8] Restructuring and Discontinued Operations - The company incurred restructuring and other charges of $2.350 million during the reporting period[18] - The portfolio management segment reported a loss of $26.005 million, impacting overall financial results[18] - The company classified its Renewables business as discontinued operations, affecting financial reporting and measures[19] Income and Tax Provisions - Net income from continuing operations for the year ended December 31, 2024, was $140.786 million, with a provision for income taxes of $37.770 million[23]

Exhibit 99.2 Johnson & Johnson and subsidiaries Supplementary sales data | (Unaudited; Dollars in Millions) | | | FOURTH QUARTER | | | | --- | --- | --- | --- | --- | --- | | | | | | Percent Change | | | Sales to customers by geographic area | 2025 | 2024 | Total | Operations | Currency | | U.S. | $14,195 | 13,204 | 7.5 % | 7.5 | — | | Europe | 5,598 | 4,921 | 13.8 | 5.2 | 8.6 | | Western Hemisphere excluding U.S. | 1,271 | 1,135 | 12.0 | 11.0 | 1.0 | | Asia-Pacific, Africa | 3,500 | 3,260 | 7.4 | 7.2 | 0.2 ...

Financial Performance - F.N.B. Corporation reported total revenue of $1.8 billion for the full year 2025, with net income available to common shareholders of $565.4 million, or $1.56 per diluted common share, representing a 23% increase from 2024[3] - The fourth quarter 2025 earnings per diluted common share (non-GAAP) was $0.50, up from $0.38 in the fourth quarter of 2024, reflecting a 31.6% year-over-year increase[2] - Net income available to common shareholders for Q4 2025 was $168,693 thousand, a 12.8% increase from Q3 2025 and a 53.6% increase from Q4 2024[44] - Net income (annualized) for Q4 2025 reached $669,270,000, an increase of 12.9% from $593,162,000 in Q3 2025 and a 53.1% increase from $437,056,000 in Q4 2024[64] - Operating net income available to common shareholders reached $168,693 thousand in Q4 2025, an increase of 12.8% from Q3 2025 and 53.4% from Q4 2024[61] Loan and Deposit Growth - Average loans and leases totaled $35.0 billion, an increase of $1.2 billion, or 3.4%, driven by consumer loan growth[5] - Average deposits reached $38.6 billion, an increase of $1.7 billion, or 4.5%, with a stable mix of non-interest-bearing demand deposits at 26%[12] - Total loans and leases decreased slightly to $34,777 million in 4Q25 from $34,957 million in 3Q25, but increased by 2.5% compared to $33,939 million in 4Q24[54] - Total deposits rose to $38,759 million in 4Q25, reflecting a 0.8% increase from $38,441 million in 3Q25 and a 4.5% increase from $37,107 million in 4Q24[45] Interest Income and Margin - Net interest income for the fourth quarter totaled a record $365.4 million, an increase of $43.2 million, or 13.4%, year-over-year[10] - Net interest income for 4Q25 was $365,442 thousand, a 1.7% increase from Q3 2025 and a 13.4% increase from Q4 2024[44] - The net interest margin improved to 3.28% in 4Q25, up from 3.25% in 3Q25[46] - Net interest income (FTE) for 2025 was $1,395.8 million, compared to $1,280.4 million in 2024, reflecting an increase of 9.0%[48] - The net interest margin (FTE) improved to 3.19% in 2025 from 3.09% in 2024[51] Non-Interest Income and Expenses - Non-interest income totaled $92.3 million, an increase of $41.4 million, or 81.5%, compared to $50.9 million[13] - Non-interest income for Q4 2025 totaled $92,341 thousand, a decrease of 5.9% from Q3 2025 but an increase of 81.3% from Q4 2024[44] - Non-interest expense totaled $273.2 million, an increase of $25.0 million, or 10.1%[13] - Total non-interest expense for Q4 2025 was $273,169 thousand, reflecting a 12.2% increase from Q3 2025 and a 10.1% increase from Q4 2024[44] Credit Quality - The provision for credit losses was $18.9 million, a decrease of $5.1 million from the prior quarter, with net charge-offs of $16.4 million[8] - The provision for credit losses in Q4 2025 was $18,870 thousand, down 21.3% from Q3 2025 and down 15.2% from Q4 2024[44] - Non-performing loans decreased to $105 million in 4Q25, a reduction of 16.0% from 3Q25 and 34.0% from 4Q24[57] - The allowance for credit losses on loans and leases was $439.5 million in 4Q25, reflecting a 0.5% increase from 3Q25 and 4.0% from 4Q24[59] Capital and Equity - The Common Equity Tier 1 (CET1) regulatory capital ratio was estimated at 11.4%, up from 10.6% at December 31, 2024[8] - The CET1 regulatory capital ratio was 11.4% at December 31, 2025, up from 10.6% at December 31, 2024[15] - Shareholders' equity increased to $6,759 million in 4Q25, a 1.9% rise from $6,636 million in 3Q25 and a 7.3% increase from $6,302 million in 4Q24[45] - Book value per common share increased to $18.92 in 4Q25 from $18.52 in Q3 2025 and $17.52 in Q4 2024[51] Community Engagement - F.N.B. Corporation contributed $20.0 million to the FNB Foundation in December 2025, demonstrating commitment to community support[8] - The company reported a tax benefit of $4,200 thousand related to the FNB Foundation contribution in 4Q25[61] Operational Highlights - F.N.B. Corporation reported total assets exceeding $50 billion and operates approximately 350 banking offices across seven states and the District of Columbia[39] - The company plans to host a conference call on January 21, 2026, to discuss its financial results[35]