Net income increased to $10.1 million ($0.43 diluted EPS) in 2025, up from $8.2 million ($0.35 diluted EPS) in 2024. Net interest income rose by $4.6 million (16.25%) to $33.2 million in 2025, compared to $28.5 million in 2024. The net interest margin improved by 37 basis points to 3.84% in 2025 from 3.47% in 2024. Total assets grew by $54.8 million (6.41%) to $909.7 million as of December 31, 2025. Gross loans increased by $52.1 million (7.92%) to $709.6 million during 2025. Total deposits increased by $48.3 million (6.44%) to $798.3 million as of December 31, 2025, primarily driven by money market and time deposits. The Bank completed a core banking system conversion in the fourth quarter of 2025, incurring approximately $221,000 (net of tax) in additional conversion-related costs. Nonaccrual loans increased slightly to $3.6 million as of December 31, 2025, from $3.3 million as of December 31, 2024. The allowance for credit losses increased to $8.1 million in 2025 from $7.7 million in 2024. The Bank maintained its 'well-capitalized' status, with a leverage ratio of 10.93% as of December 31, 2025, up from 10.70% in 2024. A cash dividend of $0.08 per share was paid in 2025, and a dividend of $0.09 per share was declared on February 23, 2026. The stock repurchase program was extended through March 31, 2027, with 138,400 shares remaining for repurchase authority.