Financial Highlights

Balance Sheet ($000)	December 30, 2025 (unaudited)	December 31, 2024	December 31, 2023	December 31, 2022
Total Assets	562,182	536,913	500,644	461,234
Total Net Loans	401,786	378,176	347,911	304,245
Total Securities	104,252	106,964	118,723	128,453
Total Deposits	518,908	494,669	426,057	414,763
Shareholders' Equity	36,757	30,043	24,958	22,511

Performance Ratios (%)	December 30, 2025 (unaudited)	December 31, 2024	December 31, 2023	December 31, 2022
Return on Average Assets	0.76%	0.77%	0.64%	0.87%
Return on Average Shareholders' Equity	12.72%	15.30%	12.51%	16.37%
Net Interest Margin	2.98%	2.84%	2.71%	3.08%
Loans/Deposits	77.43%	76.45%	81.66%	73.35%
Securities/Assets	18.54%	19.92%	23.71%	27.85%
Shareholders' Equity/Assets	6.54%	5.60%	4.99%	4.88%
Efficiency Ratio	66.50%	65.69%	70.96%	63.53%

Summary of Operations ($000)	December 30, 2025 (unaudited)	Year Ended December 31, 2024	Year Ended December 31, 2023	Year Ended December 31, 2022
Interest Income	26,065	25,455	18,986	15,232
Interest Expense	10,409	10,976	6,671	2,262
Net Interest Income	15,656	14,479	12,315	12,970
Provision for Loan Losses	435	(11)	292	630
Net Interest Income After Provision for Loan Losses	15,221	14,490	12,023	12,340
Noninterest Income	2,438	2,338	2,336	2,221
Noninterest Expense	12,464	11,711	10,700	9,861
Income Before Income Taxes	5,195	5,117	3,659	4,700
Income Tax Expense	1,031	1,012	622	837
Net Income	4,164	4,105	3,037	3,863

Shareholder Information	December 30, 2025 (unaudited)	Year Ended December 31, 2024	Year Ended December 31, 2023	Year Ended December 31, 2022
Common Shares Outstanding	257,483	257,483	257,483	275,746
Basic and Diluted Earnings Per Share ($)	16.17	15.94	11.15	14.01
Book Value Per Share ($)	142.76	116.68	95.36	81.64