Reports Q4 CET1 capital ratio 15.36%. Reports Q4 net charge-offs .01%. Kenneth Martinek, chairman of the board and CEO, stated “We are once again pleased to be able to report continued strong performance throughout our entire loan portfolio, with continuing focus on construction lending in high demand, high absorption sub-markets. Loan demand remains strong with outstanding unfunded commitments exceeding $680 million at December 31, 2025.”
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