Reports Q4 net charge-offs of $52,000; net loan recoveries, excluding overdrafts, $23,000; non-performing assets of 0.02% and past due loans of 0.07% at year-end 2025. Reports Q4 Book value per common share $21.78 vs. $21.01 in the previous quarter. Q4 EPS excludes after-tax effect of merger expenses.
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