Fourth Quarter 2025 HighlightsUnaudited net income and earnings per share have increased sequentially over the past four quarters and have improved 125.4% and 128.6%, respectively, from the fourth quarter of 2024. Return on average assets, adjusted to exclude the $535,000 tax credit gain, was 1.13% for the fourth quarter of 2025. Fourth Quarter 2025 EarningsFor the fourth quarter of 2025, unaudited net income was $4.5 million, compared to $2.9 million reported in the third quarter of 2025, and $2.0 million reported in the fourth quarter of 2024. Net interest income pre-provision increased $1.1 million or 8.7% in the fourth quarter of 2025 compared to the third quarter of 2025 and increased $2.7 million or 25.2% compared to the fourth quarter of 2024. Non-Interest Income and ExpenseTotal non-interest income was $0.9 million for the fourth quarter of 2025, the same as the prior quarter, and $0.1 million more than the fourth quarter of last year.