Reported net income of $14.7 million, or $0.48 per share, compared to a net loss of $2.4 million in Q4 2025. Pre-provision net revenue (PPNR) improved to $27.7 million from $10.7 million in the prior quarter. Noninterest expense decreased significantly to $48.7 million from $69.8 million in Q4 2025, driven by lower loan disposition expenses and the absence of a $10 million legal provision. Net interest margin (NIM) expanded to 2.47% from 2.38% in the previous quarter. Declared a cash dividend of $0.01 per share, payable on May 15, 2026.