Financial Highlights

Balance Sheet ($000)	March 31, 2026 (unaudited)	December 31, 2025	December 31, 2024	December 31, 2023
Total Assets	577,636	562,182	536,913	500,644
Total Net Loans	406,582	401,786	378,176	347,911
Total Securities	102,467	104,252	106,964	118,723
Total Deposits	535,735	518,908	494,669	426,057
Shareholders' Equity	37,491	36,757	30,043	24,958

Performance Ratios (%)	March 31, 2026 (unaudited)	December 31, 2025	December 31, 2024	December 31, 2023
Return on Average Assets	0.80%	0.77%	0.64%	0.87%
Return on Average Shareholders' Equity	12.47%	15.30%	12.51%	16.37%
Net Interest Margin	3.32%	2.84%	2.71%	3.08%
Loans/Deposits	75.89%	76.45%	81.66%	73.35%
Securities/Assets	17.74%	19.92%	23.71%	27.85%
Shareholders' Equity/Assets	6.49%	5.60%	4.99%	4.88%
Efficiency Ratio	67.04%	65.69%	70.96%	63.53%

Summary of Operations ($000)	Quarter Ended March 31, 2026 (unaudited)	Year Ended December 31, 2025	Year Ended December 31, 2024	Year Ended December 31, 2023
Interest Income	6,836	25,455	18,986	15,232
Interest Expense	2,377	10,976	6,671	2,262
Net Interest Income	4,459	14,479	12,315	12,970
Provision for Loan Losses	115	(11)	292	630
Net Interest Income After Provision for Loan Losses	4,344	14,490	12,023	12,340
Noninterest Income	584	2,338	2,336	2,221
Noninterest Expense	3,521	11,711	10,700	9,861
Income Before Income Taxes	1,407	5,117	3,659	4,700
Income Tax Expense	275	1,012	622	837
Net Income	1,132	4,105	3,037	3,863

Shareholder Information	Quarter Ended March 31, 2026 (unaudited)	Year Ended December 31, 2025	Year Ended December 31, 2024	Year Ended December 31, 2023
Common Shares Outstanding	257,483	257,483	257,483	257,483
Basic and Diluted Earnings Per Share ($)	4.40	16.17	15.94	11.15
Book Value Per Share ($)	145.61	142.76	116.68	95.36