Basic financial performance shows growth in retirement and wealth management revenues, despite increased nonperforming assets. The Q&A highlights strategic loan growth, improved margins, and a strong capital position. Management's optimistic guidance for 2026, with plans for expansion in wealth management and a focus on organic growth, supports positive sentiment. However, competitive deposit environment and nonperforming assets are concerns. Overall, the positive outlook on growth and financial health outweighs the negatives, suggesting a likely stock price increase.