Unguaranteed SBA 7(a) loans -- Portfolio reduced by $50.4 million sequentially to $171.6 million at quarter-end, with ongoing sales and runoff expected. -- $4.6 million during the quarter, up $1.3 million from the previous quarter, with $1 million attributable to unguaranteed SBA 7(a) loans. Net charge-offs increased sequentially from $3.3 million to $4.6 million, with higher losses concentrated in remaining unguaranteed SBA 7(a) loans. Classified loans: Loans identified by management as higher risk, requiring heightened monitoring and potential remedial actions based on regulatory or internal asset review standards. To highlight the basis for this risk, the bank had $171.6 million unguaranteed SBA 7(a) loan balances on December 31, 2025.