Net income for 2025 increased by $1,078,000, or 13.6%, to $9,022,000, up from $7,944,000 in 2024. Earnings per basic and diluted common share rose to $1.99 in 2025 from $1.75 in 2024. Total assets surpassed $1 billion for the first time, reaching $1,039,024,000 at year-end 2025, a 6.1% increase from $979,244,000 in 2024. Net loans grew by $24,805,000, or 3.9%, to $661,357,000 as of December 31, 2025. Net interest income increased by $3,571,000, or 12.2%, to $32,807,000 in 2025, with the net interest margin improving by 28 basis points to 3.39%. Deposits increased by $54,725,000, or 6.2%, reaching $937,129,000 at December 31, 2025. Wealth management fees from Pettyjohn, Wood & White, Inc. (PWW) increased by 10.4% to $5,328,000 in 2025, with assets under management (AUM) growing to $1,028,928,000. The efficiency ratio improved to 77.17% in 2025 from 79.11% in 2024, reflecting revenue growth outpacing expense growth. Unrealized losses on available-for-sale securities, net of taxes, decreased significantly from $22,915,000 in 2024 to $14,937,000 in 2025 due to declining interest rates.