Net income for the first quarter of 2026 was $4.297 million, a decrease of $109,000 (2.47%) from $4.406 million in the first quarter of 2025. Diluted earnings per share decreased to $0.91 in Q1 2026 from $0.94 in Q1 2025. Net interest income increased by $1.748 million (13.3%) to $14.888 million in Q1 2026, driven by an 8.6% increase in average earning assets and a 16 basis point improvement in net interest margin to 4.01%. Provision for credit losses surged by $1.206 million to $1.622 million in Q1 2026, primarily due to a $2.031 million specific allocation for two collateral-dependent commercial loan relationships. Noninterest income decreased by $358,000 (9.8%) to $3.288 million, mainly due to the expiration of a tax processing agreement, which reduced electronic refund check and deposit fees by $540,000. Noninterest expense rose by $483,000 (4.5%) to $11.301 million, largely due to higher salaries and employee benefits ($335,000 increase) and increased software expense ($132,000 increase). Total assets grew by $94.848 million (6.0%) to $1.677 billion at March 31, 2026, compared to $1.583 billion at December 31, 2025. Total deposits increased by $94.007 million (7.1%) to $1.424 billion, with interest-bearing deposits up $75.378 million and noninterest-bearing deposits up $18.629 million. The allowance for credit losses on loans increased by $1.424 million (12.4%) to $12.943 million at March 31, 2026, representing 1.07% of total loans. Nonperforming loans to total loans increased to 1.64% at March 31, 2026, from 1.40% at December 31, 2025.