Core Viewpoint - Century Next Financial Corporation reported strong financial performance for the year ended December 31, 2025, with record net income and improved net interest margin, reflecting successful asset deployment strategies and enhanced customer offerings [2][3]. Financial Performance - Net income after tax for 2025 was $15.53 million, an increase of $3.38 million or 27.9% from $12.14 million in 2024 [2]. - Earnings per share (EPS) rose to $8.48 for basic and $8.34 for diluted shares, compared to $6.72 and $6.69 respectively in 2024 [2]. Balance Sheet - Total assets increased by $7.5 million or 0.9% to $876.9 million at December 31, 2025, up from $869.4 million in 2024 [4]. - Cash and cash equivalents decreased significantly by $77.4 million or 61.6% to $48.3 million, while investment securities increased by $43.6 million to $142.1 million [5]. Loans and Deposits - Net loans increased by $39.5 million or 6.5% to $644.9 million, with notable growth in residential and commercial real estate loans [6]. - Total deposits decreased by $11.9 million or 1.5% to $758.9 million, although the average total deposits balance increased by $69.6 million or 9.5% year-over-year [7]. Income Statement - Net interest income rose to $38.6 million, an increase of $5.6 million or 17% from $33.0 million in 2024 [9]. - Total non-interest income increased by $234,000 or 6.9% to $3.6 million, driven by gains on foreclosed assets and other non-interest income [12]. Efficiency and Ratios - The efficiency ratio improved to 52.91% from 57.45% in 2024, primarily due to increased net interest income [13]. - Return on average assets was 1.71%, up from 1.47%, and return on average equity increased to 16.93% from 15.58% [16]. Other Financial Information - Nonperforming assets increased to $4.21 million, representing 0.48% of total assets, up from 0.46% in 2024 [14]. - The allowance for credit losses was $6.93 million or 1.06% of total loans, compared to $6.54 million or 1.07% in 2024 [15].