Consolidated net income increased to $27.0 million for the year ended December 31, 2025, up from $19.9 million in 2024. Earnings per share rose to $8.29 in 2025, compared to $6.01 in 2024. The community banking segment's net income increased to $27.2 million in 2025 from $20.3 million in 2024, primarily due to higher loan and cash reserve balances and increased interest rates on securities. The mortgage banking segment's net income improved to $2.3 million in 2025 from $1.1 million in 2024, driven by higher mortgage loan originations and mortgage lender services income. The consumer finance segment's net income decreased to $1.2 million in 2025 from $1.4 million in 2024, mainly due to lower average loan balances and higher loan processing and collection expenses. Community banking segment loans grew by $136.7 million, or 9.4%, to $1.6 billion at December 31, 2025. Deposits increased by $174.9 million, or 8.1%, to $2.3 billion at December 31, 2025. The consolidated net interest margin was 4.21% in 2025, an increase from 4.12% in 2024. Mortgage banking segment loan originations increased by $152.5 million, or 28.9%, in 2025. The Corporation issued $40.0 million in new subordinated notes and concurrently repurchased $20.0 million of previously issued subordinated notes in the second quarter of 2025. Expansion into Southwest Virginia occurred with the opening of a new loan production office in Roanoke in the third quarter of 2025. The marine and recreational vehicle (RV) loan portfolio is expected to run off over the next several years as future purchases under the program have ended.