Core Insights - Dream Finders Homes, Inc. (DFH) has released its 2024 Annual Shareholder Letter authored by Patrick Zalupski, the Founder, CEO, and Chairman of the company [1] Company Overview - Dream Finders Homes is headquartered in Jacksonville, Florida, and was recognized as the 2025 National Builder of the Year by Builder magazine [2] - The company builds single-family homes across the Southeast, Mid-Atlantic, and Midwest regions, including states such as Florida, Texas, Tennessee, North Carolina, South Carolina, Georgia, Colorado, Arizona, and the Washington, D.C. metropolitan area [2] - As the Official Home Builder of the PGA TOUR and the Jacksonville Jaguars, Dream Finders Homes is committed to excellence in homebuilding and community service [2] - The company operates an asset-light homebuilding model, which contributes to its industry-leading growth and returns [2] - In addition to homebuilding, Dream Finders Homes provides mortgage financing, title agency, and underwriting services through its wholly owned subsidiaries [2]

Core Viewpoint - Merchants & Marine Bancorp, Inc. has announced a definitive agreement to acquire Farmers-Merchants Bank & Trust Company in an all-cash transaction, expected to close in the second quarter of 2026, pending regulatory and shareholder approvals [1][2]. Group 1: Merger Details - The merger will allow FM Bank to continue operating under its established brand as a division of Merchants & Marine Bank, with FM Bank's President and CEO, Fred Mills, remaining in his leadership role [2]. - The merger has been unanimously approved by the boards of directors of both companies and is subject to customary closing conditions [1]. Group 2: Strategic Importance - Clayton Legear, Chairman & CEO of MNMB, expressed enthusiasm about the merger, highlighting FM Bank's reputation for personalized service and the shared mission as Community Development Financial Institutions [3]. - Fred Mills emphasized that the partnership ensures FM Bank will continue to be a community-focused bank, dedicated to serving Acadiana with the same personal service [3]. Group 3: Company Backgrounds - Merchants & Marine Bancorp, Inc. operates as a community bank in the Gulf South region, offering various banking services and has a history dating back to 1899 [4]. - Farmers-Merchants Bank & Trust Company, headquartered in Breaux Bridge, Louisiana, has nearly $450 million in assets and serves the Acadiana region with a commitment to personal and efficient banking services since its founding in 1932 [6].