Financial Performance Highlights - Private Wealth Management (PWM) assets under management and administration (AUM&A) increased by 12% to a record $3.814 billion[5] - PWM fee income totaled $3.7 million for Q3 2025, a 13% increase compared to Q3 2024[5] - Operating revenue increased by 16.3% from Q3 2024[5] - Pre-tax, pre-provision (PTPP) earnings grew by 20% year-to-date (YTD)[6, 7] - Net income grew by 25% for the first nine months of 2025 compared to the prior-year period[7] Loan and Deposit Growth - Core deposits grew 9.3% annualized from the linked quarter and 8.8% from Q3 2024[5] - Loan growth was 10.4% annualized from the linked quarter and 9.4% from Q3 2024[5] - The company aims for 10% annual deposit and loan growth[10] Net Interest Margin (NIM) - The net interest margin (NIM) was 3.68%, compared to 3.67% for the linked quarter and 3.64% for the prior-year quarter[5] - Floating rate loans totaled $1.933 billion[17] - Floating rate deposits totaled $1.890 billion[17] Asset Quality and Liquidity - As of September 30, 2025, 93% of the loan portfolio was classified in Category I[32] - Total liquidity was $2.068 billion as of September 30, 2025[35] - 69% of total deposits are insured or collateralized[36] Capital Strength - Tangible book value per share (TBVPS) grew 16.8% annualized from the linked quarter and 15.6% from Q3 2024[5]