Financial Performance Highlights - Core EPS increased to $0.99 in 4Q25[13] - Core Net Income reached $30 million in 4Q25[12], an increase of 8.7% from the previous quarter[11] - Net Interest Income was $77.9 million in 4Q25[16], with a Net Interest Margin of 3.66%[18] Deposit Portfolio - Total GAAP Deposits amounted to $7.9 billion as of 4Q25[33] - Core Deposits totaled $8.9 billion, including $1.7 billion in political deposits[35] - Uninsured deposits represent 58% of total deposits[88], totaling $4.61 billion[88] Loan Portfolio - Total Loans outstanding were $4.96 billion[53] - Growth portfolios, including Commercial & Industrial, Multifamily, and Commercial Real Estate, grew by $217.6 million in the current quarter, a 7% increase[55] - Mission-aligned loans constitute 82% of the Multifamily CRE and Land portfolio[59] Asset Quality - Non-Performing Assets (NPA) to Total Assets ratio stood at 0.32%[62] - Criticized and Classified Loans totaled $109 million[67] - Allowance for Credit Losses on Loans represented 1.16% of total loans[76] Guidance - The company anticipates Net Interest Income between $327 million and $331 million for FY26, implying a growth of 10-11%[83] - Core Pre-Tax Pre-Provision Earnings are projected to be between $180 million and $183 million for FY26, reflecting a growth of 9-10%[83]