Reported a net loss of $3.3 million for the year ended December 31, 2025, a decrease from a net income of $11.5 million in 2024. Pre-tax income decreased by $21.1 million, largely due to a $19.6 million increase in credit loss expense. A one-time $10.0 million charitable contribution expense to establish the Avidia Bank Charitable Foundation impacted 2025 results. Total assets grew by 6.8% to $2.84 billion, and total loans increased by 4.6% to $2.30 billion. Core deposits increased by 7.7% to $1.81 billion, while higher-cost time deposits decreased by 17.4%. Net interest income rose by 18.1% to $86.5 million, with net interest margin improving to 3.29% from 2.89%. Nonaccrual loans significantly increased to $20.2 million (0.88% of total loans) from $4.0 million (0.18%) in 2024. Net charge-offs as a percentage of average loans increased to 0.96% in 2025 from 0.05% in 2024, primarily due to a $19.2 million land loan charge-off. Shareholders' equity nearly doubled to $379.0 million due to the Initial Public Offering (IPO). The company declared its first quarterly cash dividend of $0.05 per share in January 2026.