Consolidated net loss attributable to common stockholders was $27.8 million for the year ended December 31, 2025, compared to net income of $362 thousand for the prior year. Loss per diluted common share was $3.23 for 2025, a significant decline from earnings of $0.04 per diluted common share in 2024. A non-cash goodwill impairment charge of $25.9 million was recorded in the third quarter of 2025, significantly impacting net loss. Total assets increased by $10.7 million to $1.3 billion at December 31, 2025, driven by increases in securities available-for-sale, bank-owned life insurance, and loans held for investment. Net loan portfolio totaled $1.0 billion, or 75.5% of total assets, at December 31, 2025. Nonperforming assets (NPAs) increased substantially to $11.169 million at December 31, 2025, from $264 thousand at December 31, 2024. The Allowance for Credit Losses (ACL) increased to $9.4 million (0.92% of gross loans) at December 31, 2025, from $8.4 million (0.83%) at December 31, 2024, primarily due to specific reserves on collateral-dependent loans. Net interest income before provision for credit losses increased by 4.3% to $33.1 million in 2025, up from $31.8 million in 2024, due to lower interest expense partially offset by decreased interest income. The net interest margin improved to 2.64% for 2025 from 2.34% for 2024. Total deposits increased by $172.2 million to $917.6 million at December 31, 2025. Uninsured deposits totaled approximately $413.5 million, representing 41% of total deposits, at December 31, 2025. The company's disclosure controls and procedures were deemed not effective as of December 31, 2025, due to identified material weaknesses in internal control over financial reporting.