Net income for 2025 increased by $3.9 million, or 54.14%, to $11.2 million, up from $7.3 million in 2024. Basic and diluted earnings per share rose to $3.16 in 2025 from $2.07 in 2024. Net interest income grew by $7.6 million, or 22.39%, reaching $41.5 million in 2025, primarily due to higher loan balances, repricing of adjustable-rate loans, and increased investment security yields. The net interest margin improved by 58 basis points to 3.35% in 2025 from 2.77% in 2024. Total assets increased by $71.7 million to $1.37 billion as of December 31, 2025. Loans held for investment grew by $46.3 million, or 5.51%, to $886.3 million. Total deposits increased by $50.1 million, or 4.19%, to $1.25 billion. Nonperforming assets decreased by $1.2 million to $6.0 million at December 31, 2025, with nonperforming loans to total loans improving to 0.68% from 0.84%. The allowance for credit losses to nonperforming loans increased to 129.35% in 2025 from 114.87% in 2024. Shareholders' equity increased by $18.7 million to $104.8 million. The Company issued $10.0 million in 7.55% fixed-to-floating rate subordinated notes due November 1, 2035, and redeemed a $7.0 million subordinated note due July 31, 2030. The Bank's capital ratios (Leverage, Total, Tier 1, Common Equity Tier 1) all increased and remain well above minimum regulatory requirements.