<SEC-DOCUMENT>0000943374-26-000342.txt : 20260730
<SEC-HEADER>0000943374-26-000342.hdr.sgml : 20260730
<ACCEPTANCE-DATETIME>20260730161521
ACCESSION NUMBER:		0000943374-26-000342
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		12
CONFORMED PERIOD OF REPORT:	20260730
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20260730
DATE AS OF CHANGE:		20260730

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Bogota Financial Corp.
		CENTRAL INDEX KEY:			0001787414
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		ORGANIZATION NAME:           	02 Finance
		EIN:				843501231
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39180
		FILM NUMBER:		261223507

	BUSINESS ADDRESS:	
		STREET 1:		819 TEANECK ROAD
		CITY:			TEANECK
		STATE:			NJ
		ZIP:			07666
		BUSINESS PHONE:		201-862-0660

	MAIL ADDRESS:	
		STREET 1:		819 TEANECK ROAD
		CITY:			TEANECK
		STATE:			NJ
		ZIP:			07666
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>bsbk-20260730.htm
<DESCRIPTION>CURRENT REPORT FILING
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   <span>UNITED STATES</span>
  </div><div>
  </div><div style="text-align: center;">
   <span style="font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</span>
  </div><div>
  </div><div style="text-align: center;">
   <span style="font-weight: bold;">WASHINGTON, D.C. 20549</span>
  </div><div>
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   <span>&#160;</span>
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  </div><div style="text-align: center;"> <span style="font-weight: bold;">FORM <ix:nonNumeric contextRef="c0" name="dei:DocumentType" id="ixv-405">8-K</ix:nonNumeric></span> </div><div>
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   <span style="font-weight: bold;">CURRENT REPORT</span>
  </div><div>
  </div><div style="text-align: center; font-size: 11pt;">&#160;
  </div><div>
  </div><div style="text-align: center;">
   <span>PURSUANT TO SECTION 13 OR 15(D) OF</span>
  </div><div>
  </div><div style="text-align: center;">
   <span>THE SECURITIES EXCHANGE ACT OF 1934</span>
  </div><div>
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  </div><div>
  </div><div style="text-align: center;"> <span>Date of Report (Date of earliest event reported): <ix:nonNumeric contextRef="c0" format="ixt:date-monthname-day-year-en" name="dei:DocumentPeriodEndDate" id="ixv-406">July 30, 2026</ix:nonNumeric></span> </div><div>
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  </div><div style="text-align: center;"> <ix:nonNumeric contextRef="c0" name="dei:EntityRegistrantName" id="ixv-44"><span style="font-weight: bold; text-decoration: underline;">Bogota Financial Corp.</span></ix:nonNumeric> </div><div>
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   <span>(Exact Name of Registrant as Specified in Charter)</span>
  </div><div>
  </div><div style="text-align: center;">&#160;
  </div><div>

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  </div><div> <div style="float: left; width: 324.0pt; white-space: nowrap;"> <span>Registrant's telephone number, including area code:</span>&#160; (<span style="text-decoration: underline;"><ix:nonNumeric contextRef="c0" name="dei:CityAreaCode" id="ixv-410">201</ix:nonNumeric>)&#160;<ix:nonNumeric contextRef="c0" name="dei:LocalPhoneNumber" id="ixv-411">862-0660</ix:nonNumeric></span> </div> </div><div>
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   <span style="text-decoration: underline;">Not Applicable</span>
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   <span>(Former name or former address, if changed since last report)</span>
  </div><div>
  </div><div style="text-align: justify;">&#160;
  </div><div>
  </div><div style="text-align: justify;">&#160;
  </div><div>
  </div><div style="text-align: justify;">
   <span>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</span>
  </div><div>
  </div><div style="text-align: justify;">&#160;
  </div><div>

  </div><table style="font-size: 12pt; border-spacing: 0px; border-collapse: collapse; width: 100%;"> <tr style="vertical-align: top;"> <td style="padding: 0; width: 23.4pt; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <ix:nonNumeric contextRef="c0" format="ixt:fixed-false" name="dei:WrittenCommunications" id="ixv-135"><span>&#9633;</span></ix:nonNumeric> </div> </td> <td style="padding: 0; width: 480.6pt; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: justify;"> <span>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 23.4pt; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <ix:nonNumeric contextRef="c0" format="ixt:fixed-false" name="dei:SolicitingMaterial" id="ixv-143"><span>&#9633;</span></ix:nonNumeric> </div> </td> <td style="padding: 0; width: 480.6pt; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: justify;"> <span>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 23.4pt; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <ix:nonNumeric contextRef="c0" format="ixt:fixed-false" name="dei:PreCommencementTenderOffer" id="ixv-151"><span>&#9633;</span></ix:nonNumeric> </div> </td> <td style="padding: 0; width: 480.6pt; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: justify;"> <span>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 23.4pt; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <ix:nonNumeric contextRef="c0" format="ixt:fixed-false" name="dei:PreCommencementIssuerTenderOffer" id="ixv-159"><span>&#9633;</span></ix:nonNumeric> </div> </td> <td style="padding: 0; width: 480.6pt; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: justify;"> <span>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span> </div> </td> </tr> </table><div style="text-align: justify;">&#160;
  </div><div>
  </div><div style="margin-top: 4pt; line-height: 12pt;">
   <span>Securities registered pursuant to Section&#160;12(b) of the Act: </span>
  </div><div>
  </div><div style="margin-top: 4pt; line-height: 12pt;">&#160;
  </div><div>
  </div><table style="font-size: 12pt; border-spacing: 0px; border-collapse: collapse; width: 100%;"> <tr style="vertical-align: top;"> <td style="padding: 0; width: 38%; border-bottom: 1pt solid black; vertical-align: bottom;"> <div style="text-align: center;"> <span style="font-weight: bold;">Title of each class</span> </div> </td> <td style="padding: 0; width: 1%; vertical-align: bottom;">&#160; </td> <td style="padding: 0; width: 15%; border-bottom: 1pt solid black; vertical-align: bottom;"> <div style="text-align: center;"> <span style="font-weight: bold;">Trading</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">Symbol(s)</span> </div> </td> <td style="padding: 0; width: 1%; vertical-align: bottom;">&#160; </td> <td style="padding: 0; width: 45%; border-bottom: 1pt solid black; vertical-align: bottom;"> <div style="text-align: center;"> <span style="font-weight: bold;">Name of each exchange on which registered</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 38%;"> <div style="text-align: center;"> <ix:nonNumeric contextRef="c0" name="dei:Security12bTitle" id="ixv-189"><span style="color: #000000;">Common Stock, par value $0.01</span></ix:nonNumeric> </div> </td> <td style="padding: 0; width: 1%; vertical-align: bottom;">&#160; </td> <td style="padding: 0; width: 15%; vertical-align: bottom;"> <div style="text-align: center;"> <ix:nonNumeric contextRef="c0" name="dei:TradingSymbol" id="ixv-194"><span>BSBK</span></ix:nonNumeric> </div> </td> <td style="padding: 0; width: 1%; vertical-align: bottom;">&#160; </td> <td style="padding: 0; width: 45%; vertical-align: bottom;"> <div style="text-align: center;"> <ix:nonNumeric contextRef="c0" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName" id="ixv-199"><span style="color: #000000;">The Nasdaq Stock Market, LLC</span></ix:nonNumeric> </div> </td> </tr> </table><div>
  </div><div style="text-align: justify;">&#160;
  </div><div>
  </div><div>
   <span style="color: #231F20;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</span>
  </div><div>
  </div><div> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="color: #231F20;">&#160;</span> </div> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="color: #231F20;">&#160;</span> </div> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="color: #231F20;">&#160;</span> </div> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="color: #231F20;">&#160;</span> </div> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="color: #231F20;">&#160;</span> </div> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="color: #231F20;">&#160;</span> </div> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="color: #231F20;">&#160;</span> </div> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="color: #231F20;">&#160;</span> </div> <div style="text-indent: 10px; padding-left: 0px; text-align: right;"> <span style="color: #231F20;">Emerging growth company&#160;&#160;</span><ix:nonNumeric contextRef="c0" format="ixt:fixed-false" name="dei:EntityEmergingGrowthCompany" id="ixv-412">&#9633;</ix:nonNumeric> </div> </div><div>
  </div><div>&#160;
  </div><div>
  </div><div>
   <span style="color: #231F20;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&#160;&#160;</span><span>&#9633;</span>
  </div><div>
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    <hr/>

  </div><div>
  </div><div style="text-align: justify;">
    <div style="float: left; width: 72.0pt; white-space: nowrap;">
     <span style="font-weight: bold;">Item 2.02</span>
    </div>
    <div>
     <span style="font-weight: bold; text-decoration: underline;">Results of Operation and Financial Condition</span>
    </div>
  </div><div>
  </div><div style="text-align: justify;">&#160;
  </div><div>
  </div><div style="text-indent: 36pt; text-align: justify;">
   <span>On July 30, 2026, Bogota Financial Corp., the holding company for Bogota Savings Bank, issued a press release reporting its financial results for the three and six months ended June 30, 2026.</span>
  </div><div>
  </div><div style="text-align: justify;">&#160;
  </div><div>
  </div><div style="text-indent: 36pt; text-align: justify;">
   <span>A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed &#8220;filed&#8221; for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.</span>
  </div><div>
  </div><div style="text-align: justify;">&#160;
  </div><div>
  </div><div style="font-family: Courier New; font-size: 10pt;">
    <div style="float: left; width: 72.0pt; white-space: nowrap;">
     <span style="font-family: Times New Roman; font-size: 12.0pt; font-weight: bold;">Item 9.01</span>
    </div>
    <div>
     <span style="font-family: Times New Roman; font-size: 12.0pt; font-weight: bold; text-decoration: underline;">Financial Statements and Exhibits</span>
    </div>
  </div><div>
  </div><div style="font-family: Courier New; clear: both;">&#160;
  </div><div>
  </div><div><a id="_Hlk527542787"></a></div><table style="font-size: 12pt; border-spacing: 0px; border-collapse: collapse;">
   <tr style="height: 0px; font-size: 0px;">
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    &#160;</td>
    <td style="width: 66.8pt;">
    &#160;</td>
    <td style="width: 376.4pt;">
    &#160;</td>
   </tr>
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    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div style="text-align: center;">
      <span>(a)</span>
     </div>
    </td>
    <td colspan="2" style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div style="text-align: justify;">
      <span>Financial Statements of Businesses Acquired.&#160;&#160;Not applicable.</span>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top; height: 1.0pt;">
    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">&#160;
    </td>
    <td colspan="2" style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">&#160;
    </td>
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    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div style="text-align: center;">
      <span>(b)</span>
     </div>
    </td>
    <td colspan="2" style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div style="text-align: justify;">
      <span>Pro Forma Financial Information.&#160;&#160;Not applicable.</span>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top; height: 1.0pt;">
    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">&#160;
    </td>
    <td colspan="2" style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">&#160;
    </td>
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    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div style="text-align: center;">
      <span>(c)</span>
     </div>
    </td>
    <td colspan="2" style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div style="text-align: justify;">
      <span>Shell Company Transactions: Not applicable.</span>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top; height: 1.0pt;">
    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">&#160;
    </td>
    <td colspan="2" style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">&#160;
    </td>
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    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div style="text-align: center;">
      <span>(d)</span>
     </div>
    </td>
    <td colspan="2" style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div>
      <span>Exhibits.</span>
     </div>
     <div>&#160;
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top; height: 1.0pt;">
    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">&#160;
    </td>
    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div>
      <span style="text-decoration: underline;">Exhibit&#160;No.</span>
     </div>
    </td>
    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div style="text-align: justify;">
      <span style="text-decoration: underline;">Description</span>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top; height: 1.0pt;">
    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">&#160;
    </td>
    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div>
      <span><a href="exh99_1.htm" style="-sec-extract:exhibit">99.1</a></span>
     </div>
    </td>
    <td style="padding: 0; padding-left: 5.4pt; padding-right: 5.4pt;">
     <div>
      <span>Press release dated July 30, 2026.</span>
     </div>
    </td>
   </tr>
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      <span>Cover Page Interactive Data File (formatted in iXBRL and contained in Exhibit 101).</span>
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   <span style="font-weight: bold;">SIGNATURES</span>
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   <span>Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.</span>
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      <span style="font-weight: bold;">BOGOTA FINANCIAL CORP.</span>
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      <span>DATE: July 30, 2026</span>
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        <span><span style="text-decoration:underline">/s/ Brian McCourt</span></span>
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   <font style="font-size: 10.0pt;">&#xa0;Exhibit 99.1</font>
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   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">Bogota Financial Corp. Reports Results for the</font>
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   <font style="font-size: 10.0pt; font-weight: bold;">Six</font><font style="font-size: 10.0pt; color: #000000; font-weight: bold;"> Months Ended </font><font style="font-size: 10.0pt; font-weight: bold;">June 30, 2026</font>
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   <font style="font-size: 10.0pt; color: #000000;">NEWS PROVIDED BY</font>
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   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">Teaneck, New Jersey, July 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;&#x2013;</font><font style="font-size: 10.0pt; color: #000000; font-weight: bold;">&#xa0;</font><font style="font-size: 10.0pt; color: #000000;">Bogota Financial Corp. (NASDAQ: BSBK) (the &#x201c;Company&#x201d;), the holding company for Bogota Savings Bank (the &#x201c;Bank&#x201d;), reported net income&#xa0;for the three months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> of $748,000, or $0.06&#xa0;per basic and diluted share, compared to a net income&#xa0;of $224,000, or $0.02&#xa0;per basic and diluted share, for the comparable prior year period. The Company&#xa0;reported net income&#xa0;for the six&#xa0;months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> of $1.5 million, or $0.12&#xa0;per basic and diluted share, compared to a net income&#xa0;of $955,000, or $0.08&#xa0;per basic and diluted share, for the comparable prior year period.</font>
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   <font style="font-size: 10.0pt;">As of June&#xa0;30, 2026, 230,544&#xa0;shares of the Company&#x2019;s common stock have been repurchased pursuant to the Company&#x2019;s current stock repurchase program at a cost of $2.0&#xa0;million. Pursuant to the current repurchase program, the Company was authorized to repurchase up to 237,590 shares of its common stock, or approximately 5% of its outstanding common stock (excluding shares held by Bogota Financial, MHC).&#xa0;The repurchase program does not have a scheduled expiration date and the Board of Directors has the right to suspend or discontinue the program at any time.</font>
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   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">Other Financial Highlights: </font>
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      <font style="font-size: 10.0pt; color: #000000;">Total assets decreased $30.0&#xa0;million, or 3.3%, to $875.0&#xa0;million at&#xa0;June 30, 2026 from $904.9&#xa0;million at December 31, 2025, due to a&#xa0;decrease in cash and cash equivalents, securities and loans.</font>
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      <font style="font-size: 10.0pt; color: #000000;">Cash and cash equivalents decreased $5.7&#xa0;million, or 16.0%, to $29.9&#xa0;million at June 30, 2026 from $35.6&#xa0;million at December 31, 2025&#xa0;as excess funds from increased borrowings, security maturities and loan payments were used to offset deposit outflows.</font>
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      <font style="font-size: 10.0pt; color: #000000;">Securities decreased $17.7&#xa0;million, or 11.2%, to $140.4&#xa0;million at June 30, 2026 from $158.1&#xa0;million at December 31, 2025&#xa0;due to principal repayments&#xa0;of mortgage-backed securities and maturities of corporate bonds.&#xa0;&#xa0;</font>
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      <font style="font-size: 10.0pt; color: #000000;">Net loans decreased $10.3&#xa0;million, or 1.6%, to $637.3&#xa0;million at June 30, 2026 from $647.6&#xa0;million at December 31, 2025, primarily due to decreases in residential mortgages, commercial&#xa0;and construction loans, offset by an increase in multi-family real estate&#xa0;loans.</font>
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      <font style="font-size: 10.0pt; color: #000000;">Total deposits at June 30, 2026 were $574.2&#xa0;million, decreasing $78.2&#xa0;million, or 12.0%, compared to $652.4&#xa0;million at December 31, 2025,&#xa0;due to a $91.4&#xa0;million decrease in certificates of deposit of which $10.8 million represented&#xa0;a decrease in brokered deposits.&#xa0;The decrease&#xa0;was offset by a&#xa0;$10.9&#xa0;million increase in savings&#xa0;accounts and a $2.3&#xa0;million increase in non-interest-bearing accounts.&#xa0;The average rate on deposits&#xa0;decreased 34&#xa0;basis points to 3.10% for the first two quarters of 2026&#xa0;from 3.50% from comparable period a year ago, which was&#xa0;due to lower&#xa0;interest rates and average balances of&#xa0;certificates of deposit.</font>
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      <font style="font-size: 10.0pt; color: #000000;">Federal Home Loan Bank (the "FHLB") advances increased $47.7&#xa0;million, or 51.1% to $141.0&#xa0;million at June 30, 2026 from $93.3&#xa0;million as of December 31, 2025.&#xa0; The increase in borrowings was largely attributable to the outflow of deposits during the six months ended June 30, 2026.</font>
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<div class="header">&#xa0;</div></div><div>
   <font style="font-size: 10.0pt;">Kevin Pace, President and Chief Executive Officer, said &#x201c;We were pleased to announce our entry into an agreement to acquire GSL Bank this quarter.&#xa0; This transaction will allow us to expand and acquire a customer base from another longstanding New Jersey institution.&#xa0;We anticipate the ability to grow those relationships by providing greater products and services. We are hopeful that our increased lending capacity will attract those customers and meet the demand not presently met.&#xa0; We also have planned improvements in technology to not only remain competitive, but attractive.&#xa0; We are focused on prudent lending that diversifies our portfolio while maintaining solid credit quality.&#x201d;</font>
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   <font style="font-size: 10.0pt;">&#x201c;Year over year results have shown improvements in both net income and EPS.&#xa0; Balance sheet management to minimize the exposure to the rate environment remains a strategic goal.&#xa0; We look to continue delivering shareholder value through our current stock buyback and core growth."&#xa0;</font>
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   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">Income Statement Analysis </font>
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   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">Comparison of Operating Results for the Three Months Ended&#xa0;</font><font style="font-size: 10.0pt; font-weight: bold;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000; font-weight: bold;">&#xa0;and&#xa0;</font><font style="font-size: 10.0pt; font-weight: bold;">June 30, 2025</font>
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   <font style="font-size: 10.0pt; color: #000000;">Net income increased $523,000 to $748,000&#xa0;for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;compared to&#xa0;net income&#xa0;of $224,000 for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.&#xa0;This increase was primarily due to an increase of $329,000&#xa0;in non-interest income,&#xa0;a&#xa0;$145,000 increase in net interest income and a $201,000 decrease in non-interest expenses partially offset by a $152,000 increase in income taxes.</font>
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   <font style="font-size: 10.0pt; color: #000000;">Interest income decreased $916,000, or 8.7%, to&#xa0;$9.6&#xa0;million for the three months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> compared&#xa0;to $10.5&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.</font>
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   <font style="font-size: 10.0pt; color: #000000;">Interest income on cash and cash equivalents increased $1,000, or 0.9%, to $107,000 for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $106,000 for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;due to a seven basis point increase in the average yield from 4.26% for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;to 4.33% for the three months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;resulting from a&#xa0;higher short-term interest rate environment. This was offset by&#xa0;a&#xa0;$114,000 decrease in the average balance to $9.9&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $10.0 million for the three months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2025</font>
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   <font style="font-size: 10.0pt;"><br>Interest income on loans decreased $770,000, or 9.3%, to $7.5&#xa0;million for the three months ended June&#xa0;30, 2026&#xa0;compared to $8.3&#xa0;million for the three months ended June&#xa0;30, 2025&#xa0;due primarily&#xa0;to&#xa0;a&#xa0;$57.5&#xa0;million decrease in the average balance to $640.3&#xa0;million&#xa0;for the three months ended&#xa0;</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026&#xa0;&#xa0;from $697.8&#xa0;million&#xa0;for the three months ended&#xa0;</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;June 30, 2025&#xa0;</font><font style="font-size: 10.0pt;">and a six&#xa0;basis point decrease in the average yield from 4.77% for the three months ended June&#xa0;30, 2025&#xa0;to 4.71% for the three months ended </font><font style="font-size: 10.0pt; color: #000000;">&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026.</font>
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   <font style="font-size: 10.0pt;">Interest income on securities decreased $87,000, or 4.5%, to $1.9&#xa0;million for the three months ended</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026,&#xa0;primarily due&#xa0;to a&#xa0;24-basis&#xa0;point decrease in the average yield from 5.52% for the three months ended June&#xa0;30, 2025,&#xa0;to 5.28% for the three months ended</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026.&#xa0;&#xa0;The decrease was also due to a $404,000&#xa0;decrease in the average balance to $140.7&#xa0;million for the three months ended June 30, 2026,&#xa0;from $141.1&#xa0;million for the three months ended June&#xa0;30, 2025.</font>
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   <font style="font-size: 10.0pt; color: #000000;">Interest expense decreased $1.1&#xa0;million, or 15.6%, from $6.8&#xa0;million for the three months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;"> to $5.7&#xa0;million for the three months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> due to lower&#xa0;averages balances of certificates of deposits and borrowings.&#xa0;&#xa0;During the three&#xa0;months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, the use of hedges increased&#xa0;the&#xa0;interest expense on the FHLB&#xa0;advances and brokered deposits by $37,000.&#xa0;At&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, cash flow hedges used to manage interest rate risk had a notional value of $67.5&#xa0;million, while fair value hedges totaled $30.0 million in notional value.&#xa0;</font>
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   <font style="font-size: 10.0pt; color: #000000;">Interest expense on interest-bearing deposits decreased $910,000, or 16.5%, to $4.6&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $5.5&#xa0;million&#xa0;for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The decrease was due to a 39 basis point decrease in the average cost of deposits to 3.28% for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from 3.67% for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The decrease in the average cost of deposits was due to the lower interest rate environment and a decrease in the rate paid on certificates of deposit was offset by an increase in the rate paid on savings&#xa0;accounts. Our rates on certificates of deposit decreased 44&#xa0;basis points&#xa0;to 3.57% for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from 4.01% for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;and the average balances of certificates of deposit decreased $59.8&#xa0;million to $422.7&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $482.5&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The average balance of NOW/money market accounts and savings accounts increased $8.2&#xa0;million and $11.9&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, respectively, compared to the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. \Interest expense on FHLB&#xa0;advances decreased $151,000, or 11.7%, from $1.3&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;to $1.1&#xa0;million&#xa0;for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">. The decrease was primarily due to a&#xa0;decrease in the average balance of $20.2&#xa0;million to $110.0&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $130.3&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.&#xa0;&#xa0;The decrease was offset by an increase in the average cost of borrowings of 18 basis points to 4.14% for the three months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;from 3.96% for the three months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;due to the new borrowings being shorter durations at higher rates. </font>
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   <font style="font-size: 10.0pt; color: #000000;">Net interest income increased $145,000, or 3.9%, to $3.8&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $3.7&#xa0;million for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.&#xa0; The increase reflected a 20 basis point&#xa0;increase in our net interest rate spread to 1.40% for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from 1.20% for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. Our net interest margin increased 20 basis points to 1.94% for the three months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from 1.74% for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.</font>
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   <font style="font-size: 10.0pt; color: #000000;">We recorded no&#xa0;provision&#xa0;for&#xa0;credit losses for the three months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> and </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The increase in non-performing loans were loans that were impaired with adequate collateral and required no additional provisions.</font>
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   <font style="font-size: 10.0pt; color: #000000;">Non-interest income increased $329,000, or 99.2%, to $661,000 for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $332,000 for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;due to </font><font style="font-size: 10.0pt;">a $300,000 collection on an insurance claim from a previous year fraud loss.</font>
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   <font style="font-size: 10.0pt;">For the three months ended June 30, 2026, non-interest expense decreased $200,000, or 5.2%, compared to&#xa0;the same period ended June&#xa0;30, 2025. Salaries and employee benefits decreased $75,000, or 3.7%, due to lower headcount. FDIC insurance premiums decreased $18,000, or 16.9%, due to lower deposit balances in&#xa0;2026. Data processing expense increased $13,000, or 4.3%, due to higher&#xa0;processing costs. Director fees decreased $44,000, or 25.9%, due to fewer&#xa0;members on the board. The increase in advertising expense of $23,000, or 140.6%, was due to increased&#xa0;promotions for branch locations and more&#xa0;promotions on deposit and loan products. Professional fees decreased $125,000, or 33.6%, due to lower&#xa0;legal&#xa0;costs in 2026.&#xa0;</font>
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   <font style="font-size: 10.0pt; color: #000000;">Income tax expense increased $151,000&#xa0;to an expense&#xa0;of $99,000 for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from a $53,000 benefit for the three months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The increase was due to an increase&#xa0;of $674,000&#xa0;in pre-tax income.</font>
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   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">Comparison of Operating Results for the&#xa0;Six Months Ended&#xa0;</font><font style="font-size: 10.0pt; font-weight: bold;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000; font-weight: bold;">&#xa0;and&#xa0;</font><font style="font-size: 10.0pt; font-weight: bold;">June 30, 2025</font>
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   <font style="font-size: 10.0pt; color: #000000;">Net income increased $498,000 to $1.5 million&#xa0;for the&#xa0;six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from net income&#xa0;of $955,000 for the six&#xa0;months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.&#xa0;This increase was primarily due to an increase of $978,000&#xa0;in net interest income and a&#xa0;decrease of $280,000 in non-interest expense, partially offset by a&#xa0;decrease of $239,000 in non-interest income, an increase of $130,000 in the provision for credit losses and an increase of $391,000 in income taxes.</font>
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   <font style="font-size: 10.0pt; color: #000000;">Interest income decreased $1.4 million, or 6.3%, to&#xa0;$20.1&#xa0;million for the&#xa0;six months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026&#xa0;</font><font style="font-size: 10.0pt; color: #000000;">compared to $21.4&#xa0;million for the six&#xa0;months ended June</font><font style="font-size: 10.0pt;">&#xa0;30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.</font>
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   <font style="font-size: 10.0pt; color: #000000;">Interest income on cash and cash equivalents decreased $141,000, or 38.0%, to $230,000 for the&#xa0;six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $371,000 for the six&#xa0;months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;"> due to a&#xa0;$2.7&#xa0;million decrease in the average balance to $10.6&#xa0;million for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $13.3&#xa0;million for the six months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">,&#xa0;reflecting a&#xa0;decrease in deposits&#xa0;and&#xa0;a reduction of borrowings.&#xa0; This was also due to&#xa0;a 124 basis point&#xa0;decrease in the average yield from 5.58% for the six&#xa0;months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;to 4.34% for the six&#xa0;months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;resulting from&#xa0;the lower interest rate environment.</font>
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   <font style="font-size: 10.0pt;">Interest income on loans decreased $1.4 million, or 8.2%, to $15.5&#xa0;million for the </font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;">&#xa0;months ended June&#xa0;30, 2026&#xa0;compared to $16.9&#xa0;million for the </font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;"> months ended June&#xa0;30, 2025, due primarily&#xa0;to&#xa0;a&#xa0;$57.3&#xa0;million decrease in the average balance to $644.1&#xa0;million&#xa0;for the </font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;"> months ended June&#xa0;30, 2026&#xa0;from $701.4&#xa0;million&#xa0;for the </font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;"> months ended June&#xa0;30, 2025.</font>
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   <font style="font-size: 10.0pt;">Interest income on securities increased $344,000, or 9.1%, to $4.1&#xa0;million for the </font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;"> months ended June&#xa0;30, 2026,&#xa0;from $3.8&#xa0;million for the&#xa0;</font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;"> months ended June&#xa0;30, 2025,&#xa0;primarily due&#xa0;to a&#xa0;34&#xa0;basis point increase in the average yield from 5.28% for the </font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;">&#xa0;months ended June&#xa0;30, 2025,&#xa0;to 5.62% for the </font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;"> months ended June&#xa0;30, 2026.&#xa0;&#xa0;The increase was also due to a $3.6&#xa0;million increase in the average balance to $146.8&#xa0;million for the </font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;"> months ended June&#xa0;30, 2026,&#xa0;from $143.2&#xa0;million for the </font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;">&#xa0;months ended June&#xa0;30, 2025.</font>
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   <font style="font-size: 10.0pt; color: #000000;">Interest expense decreased $2.3&#xa0;million, or 16.5%, from $14.1&#xa0;million for the six months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;"> to $11.8&#xa0;million for the six months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> due to lower average&#xa0;balances of certificates of&#xa0;deposits and borrowings.&#xa0;&#xa0;During the&#xa0;six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, the use of hedges increased&#xa0;the&#xa0;interest expense on FHLB&#xa0;advances and brokered deposits by $21,000.&#xa0;At&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, cash flow hedges used to manage interest rate risk had a notional value of $67.5&#xa0;million, while fair value hedges totaled $30.0 million in notional value.&#xa0;</font>
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   <font style="font-size: 10.0pt; color: #000000;">Interest expense on interest-bearing deposits decreased $1.7 million, or 14.9%, to $9.6&#xa0;million for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $11.3&#xa0;million&#xa0;for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The decrease was due to a 42 basis point decrease in the average cost of deposits to 3.33% for the six&#xa0;months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from 3.75% for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The decrease in the average cost of deposits was due to the lower interest rate environment and a decrease in the rate paid on certificates of deposit offset by an increase in the rate paid on transactional accounts. Our rates on certificates of deposit decreased 52 basis points&#xa0;to 3.61% for the&#xa0;six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from 4.13% for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;and the average balances of certificates of deposit decreased $42.5&#xa0;million to $440.9&#xa0;million for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $483.4&#xa0;million for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The average balance of NOW/money market accounts and savings accounts increased $6.4&#xa0;million and $10.6&#xa0;million for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, respectively, compared to the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.</font>
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   <font style="font-size: 10.0pt; color: #000000;">Interest expense on FHLB&#xa0;advances decreased $647,000, or 22.7%, from $2.9&#xa0;million for the&#xa0;six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;to $2.2&#xa0;million&#xa0;for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">. The decrease was primarily due to a&#xa0;decrease in the average balance of $40.5&#xa0;million to $103.6&#xa0;million for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $144.1&#xa0;million for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.&#xa0;&#xa0;The decrease was offset by an increase in the average cost of borrowings of 31&#xa0;basis points to 4.30% for the six&#xa0;months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;from 3.99% for the six&#xa0;months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;due to the new borrowings being shorter durations at higher rates. </font>
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   <font style="font-size: 10.0pt; color: #000000;">Net interest income increased $978,000, or 13.4%, to $8.3&#xa0;million for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $7.3&#xa0;million for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.&#xa0; The increase reflected a 34-basis point increase in our net interest rate spread to 1.49% for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from 1.15% for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. Our net interest margin increased 36&#xa0;basis points to 2.06% for the six months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from 1.70% for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.</font>
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   <font style="font-size: 10.0pt;">&#xa0;</font>
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  <div>
   <font style="font-size: 10.0pt; color: #000000;">We recorded a $50,000 provision&#xa0;for&#xa0;credit losses for the six months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;compared to an $80,000 recovery for credit losses for the six months ended&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;due to higher delinquent commercial loan balances.&#xa0;</font>
  </div>

  <div style="width: 100%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10px; margin-top: 0px; margin-bottom: 0px; text-indent: 0px; font-weight: normal; font-style: normal; text-decoration: none;">
  <div style="text-align: center;">4</div>
  <div style="break-after: page;"><hr style="border-width: medium; border-style: none; border-color: currentcolor; border-image: none; width: 100%; height: 4px; color: black; background-color: black; display: none;"></div>
<div class="header">&#xa0;</div></div><div>
   <font style="font-size: 10.0pt; color: #000000;">Non-interest income decreased $239,000, or 19.6%, to $982,000 for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $1.2 million&#xa0;for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;due to </font><font style="font-size: 10.0pt;">a death benefit received related to a former employee last year of $564,000,&#xa0;offset by $300,000 collection on an insurance claim during 2026 related to a previous year fraud loss.</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">For the&#xa0;</font><font style="font-size: 10.0pt; color: #000000;">six</font><font style="font-size: 10.0pt;"> months ended June&#xa0;30, 2026, non-interest expense decreased $280,000, or 3.6%, compared to&#xa0;the comparable June&#xa0;30, 2025&#xa0;period. Salaries and employee benefits decreased $103,000, or 2.5%, due to lower headcount. FDIC insurance premiums decreased $25,000, or 11.9%, due to lower deposit balances in&#xa0;2026. Data processing expense decreased $32,000, or 5.1%, due to lower&#xa0;processing costs. Director fees decreased $65,000, or 19.7%, due to fewer&#xa0;members on the board. The decrease in advertising expense of $31,000, or 25.5%, was due to reduced&#xa0;promotions for branch locations and less&#xa0;promotions on deposit and loan products. Professional fees decreased $82,000, or 14.3%, due to lower&#xa0;legal&#xa0;costs in 2026 associated with a construction loan foreclosure.&#xa0;Occupancy and equipment increased $31,000, or 2.4%, due to higher snow removal costs in 2026.</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">Income tax expense increased $391,000&#xa0;to an expense&#xa0;of $311,000 for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from an $81,000 benefit for the six months ended </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The increase was due to an increase&#xa0;of $1.4 million&#xa0;in pre-tax income.&#xa0;</font>
  </div>
  <div style="font-size: 10pt;">&#xa0;
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">Balance Sheet Analysis</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">Total assets were $875.0&#xa0;million at&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, representing a&#xa0;decrease of $30.0&#xa0;million, or 3.3%, from $904.9 million at&#xa0;</font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">.&#xa0; Cash and cash equivalents decreased $5.7&#xa0;million during the period primarily as excess funds from increased borrowings, security maturities and loan payments were used to offset&#xa0;deposits outflows. Net loans decreased $10.3&#xa0;million, or 1.60%, due to $37.7&#xa0;million in repayments, partially offset by new production of $27.3&#xa0;million. This resulted in a $7.9&#xa0;million decrease in residential loans, a $3.2&#xa0;million decrease in construction loans and a decrease of $5.1&#xa0;million of commercial&#xa0;loans, offset by a $6.6&#xa0;million increase in multi-family loans.&#xa0;&#xa0;Due to the interest rate environment, we have seen a decrease in demand for residential and construction loans, which have been primary drivers of our loan growth in recent periods.&#xa0; Securities&#xa0;available for sale decreased $17.7&#xa0;million or 11.2%, due to repayments&#xa0;of mortgage-backed securities and&#xa0;maturities of corporate bonds.&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">Delinquent loans increased $1.1&#xa0;million to $27.7&#xa0;million, or 3.36% of total loans, at </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, compared to $27.6&#xa0;million at&#xa0;</font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The balance of delinquent loans includes $14.5 million&#xa0;of commercial real estate loans associated with four&#xa0;large loans that have been either 30 or 60 days past due. The balance of delinquent loans also includes a $10.9 million construction that is in bankruptcy and has a 45% loan to value.&#xa0;&#xa0;&#xa0;All delinquent loans are considered well-secured.&#xa0;During the six months ended June 30, 2026, non-performing assets increased from $13.1&#xa0;million at </font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;to $25.9&#xa0;million, which represented 2.96% of total assets at </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">. No loans were charged off during the </font><font style="font-size: 10.0pt;">six months ended June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;or&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The Company&#x2019;s allowance for credit losses related to loans was 0.40% of total loans and 9.95% of non-performing loans at </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> compared to 0.39% of total loans and 19.38% of non-performing loans at </font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">.&#xa0; The Bank has limited exposure to commercial real estate loans secured by office space.&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">Total liabilities decreased $31.0&#xa0;million, or 4.1%, to $733.0&#xa0;million at June 30, 2026 from $764.0 million at December 31, 2025, mainly due to a $78.2&#xa0;million decrease in deposits offset by an increase in borrowings. Total deposits decreased $78.2&#xa0;million, or 12.0%, to $574.2&#xa0;million at </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $652.4&#xa0;million at </font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">. The decrease in deposits reflected a&#xa0;decrease in certificate of deposit accounts, which decreased by $91.4&#xa0;million to $402.5&#xa0;million at June&#xa0;30, 2026&#xa0;from $493.9&#xa0;million at </font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">. This decrease was offset by savings accounts which increased by $10.9&#xa0;million from $54.6&#xa0;million&#xa0;at </font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;to $65.4&#xa0;million at </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;an increase in NOW deposit accounts and money market accounts, which increased by $15,000&#xa0;to $75.8&#xa0;million, and by an increase&#xa0;in noninterest bearing demand accounts, which increased by $2.3 million&#xa0;from $28.2&#xa0;million at&#xa0;</font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;to $30.5&#xa0;million at&#xa0;</font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">.&#xa0; At </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, brokered deposits were $98.9&#xa0;million or 17.2% of deposits and municipal deposits were $41.3&#xa0;million or 7.2% of deposits.&#xa0;&#xa0;At </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, uninsured deposits represented 10.4% of the Bank&#x2019;s total deposits. FHLB&#xa0;advances increased $47.7&#xa0;million, or 51.1%, due to the use&#xa0;of borrowings to offset deposit outflows.&#xa0; Short-term borrowings increased $81.0&#xa0;million, or 405.0%, to $101.0&#xa0;million at </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $20.0&#xa0;million at </font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">, while long-term borrowings decreased $33.3&#xa0;million, or 45.4%, to $40.0&#xa0;million&#xa0;at </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;"> from $73.3&#xa0;million at </font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">.&#xa0;&#xa0;Total borrowing capacity at the FHLB is $231.2&#xa0;million of which $141.0&#xa0;million has been advanced.</font>
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  <div style="text-align: center;">5</div>
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<div class="header">&#xa0;</div></div><div>
   <font style="font-size: 10.0pt; color: #000000;">Total stockholders&#x2019; equity increased $1.1&#xa0;million to $142.0&#xa0;million at June 30, 2026 from December 31, 2025,&#xa0;primarily due to net income of $1.5 million&#xa0;and less changes in other comprehensive income of $378,000. At </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">, the Company&#x2019;s ratio of average&#xa0;stockholders&#x2019; equity-to-total assets was 16.20%, compared to 14.88% at </font><font style="font-size: 10.0pt;">June 30, 2025</font><font style="font-size: 10.0pt; color: #000000;">.</font>
  </div>
  <div style="font-size: 10pt;">&#xa0;
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">About Bogota Financial Corp. </font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">Bogota Financial Corp. is a Maryland corporation organized as the mid-tier holding company of Bogota Savings Bank and is the majority-owned subsidiary of Bogota Financial, MHC. Bogota Savings Bank is a New Jersey chartered stock savings bank that has served the banking needs of its customers in northern and central New Jersey since 1893. It operates from eight&#xa0;offices located in Bogota, Hasbrouck Heights, Upper Saddle River, Newark, Oak Ridge, Parsippany, Point Pleasant and Teaneck, New Jersey.</font>
  </div>
  <div style="font-size: 10pt;">&#xa0;
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">Forward-Looking Statements </font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">&#xa0; &#xa0; </font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0; &#xa0;This press release contains certain forward-looking statements about the Company and the Bank. Forward-looking statements include statements regarding anticipated future events and can be identified by the fact that they do not relate strictly to historical or current facts. They often include words such as &#x201c;believe,&#x201d; &#x201c;expect,&#x201d; &#x201c;anticipate,&#x201d; &#x201c;estimate,&#x201d; and &#x201c;intend&#x201d; or future or conditional verbs such as &#x201c;will,&#x201d; &#x201c;would,&#x201d; &#x201c;should,&#x201d; &#x201c;could,&#x201d; or &#x201c;may.&#x201d; Forward-looking statements, by their nature, are subject to risks and uncertainties. Certain factors that could cause actual results to differ materially from expected results include increased competitive pressures, changes in the interest rate environment, inflation, general economic conditions or conditions within the securities markets, the imposition of tariffs or other domestic or international governmental policies and trade restrictions and retaliatory measures impacting our borrowers and the broader economy, the impact of a&#xa0;potential&#xa0;federal government shutdown, debt ceiling impasses or fiscal uncertainty,&#xa0;real estate market values in the Bank&#x2019;s lending area, changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio; the availability of low-cost funding; our continued reliance on brokered and municipal deposits; demand for loans in our market area;&#xa0;changes in the quality of our loan and security portfolios, economic assumptions or changes in our methodology, either of which may impact our allowance for credit losses calculation,&#xa0;increases in non-performing and classified loans, monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System; the current or anticipated impact of military conflict, terrorism or other geopolitical&#xa0; events;&#xa0;risks associated with cybersecurity threats, data breaches, ransomware attacks, or other failures in our operational or security systems and infrastructure, including the risks arising from our dependence on third-party service providers and vendors, the failure to maintain current technologies;&#xa0;failure to retain or attract employees and legislative, accounting and regulatory changes that could adversely affect the business in which the Company and the Bank are engaged.</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">The Company undertakes no obligation to revise these forward-looking statements or to reflect events or circumstances after the date of this press release.</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font>&#xa0;</font>
  </div>

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  <div style="text-align: center;">6</div>
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<div class="header">&#xa0;</div></div><div style="text-align: center;">
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">BOGOTA FINANCIAL CORP. </font>
  </div>
  <div style="text-align: center;">
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION</font></div>


  <div style="margin: 0in; text-align: center;"><b><font style="font-size: 10pt;">(unaudited)</font></b><font style="font-size:10.0pt"></font></div><div>&#xa0;</div>
  <table cellpadding="0" style="margin-left: 0.25pt; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; color: black; border-spacing: 0px;">
   <tr style="height: 0px; font-size: 0px;">
    <td>&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">As of</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">As of</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">June 30, 2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">December 31, 2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      <font style="font-weight: bold;">Assets</font>
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Cash and due from banks
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">7,500,397</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">11,584,648</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Interest-bearing deposits in other banks
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">22,396,729</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">24,013,947</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Cash and cash equivalents
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">29,897,126</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">35,598,595</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Securities available for sale, at fair value
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">140,411,551</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">158,064,631</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Loans, net of allowance for credit losses of $2,579,949 and $2,529,949, respectively
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">637,312,833</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">647,645,607</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Premises and equipment, net
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4,458,385</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4,399,202</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      FHLB stock and other restricted securities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">7,513,600</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5,403,900</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Accrued interest receivable
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3,889,180</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4,261,410</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Core deposit intangibles
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">87,934</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">107,604</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Bank-owned life insurance
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">32,225,477</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">31,774,855</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Right of use asset
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">10,557,850</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">10,265,125</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Investment in limited partnership
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3,963,163</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2,413,320</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Other assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">4,670,025</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">5,013,251</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total Assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">874,987,124</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">904,947,500</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      <font style="font-weight: bold;">Liabilities and Equity</font>
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Non-interest bearing deposits
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">30,478,615</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">28,177,516</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Interest bearing deposits
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">543,740,963</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">624,269,541</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total deposits
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">574,219,578</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">652,447,057</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      FHLB advances-short term
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">101,000,000</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">20,000,000</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      FHLB advances-long term
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">40,020,176</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">73,322,132</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Advance payments by borrowers for taxes and insurance
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2,027,965</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2,591,007</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Lease liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">10,782,407</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">10,434,759</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Other liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">4,971,332</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">5,244,197</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Total liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">733,021,458</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">764,039,152</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Stockholders&#x2019; Equity
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Preferred stock $0.01 par value 1,000,000 shares authorized, none issued and outstanding at June 30, 2026 and December 31, 2025
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">&#xa0;

      &#x2014;

    &#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">&#xa0;

      &#x2014;

    &#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Common stock $0.01 par value, 30,000,000 shares authorized, 12,770,973 issued and outstanding at June 30, 2026 and 12,925,572 at December 31, 2025
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">127,709</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">129,255</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Additional paid-in capital
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">54,026,204</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">54,949,369</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Retained earnings
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">93,550,894</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">92,097,426</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Unearned ESOP shares (342,926 shares at June 30, 2026 and 356,188 shares at December 31, 2025)
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(4,068,789</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(4,219,390</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Accumulated other comprehensive loss
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(1,670,352</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(2,048,312</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total stockholders&#x2019; equity
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">141,965,666</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">140,908,348</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Total liabilities and stockholders&#x2019; equity
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">874,987,124</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">904,947,500</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
   </tr>
  </table><div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font>&#xa0;</font>
  </div>

  <div style="width: 100%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10px; margin-top: 0px; margin-bottom: 0px; text-indent: 0px; font-weight: normal; font-style: normal; text-decoration: none;">
  <div style="text-align: center;">7</div>
  <div style="break-after: page;"><hr style="border-width: medium; border-style: none; border-color: currentcolor; border-image: none; width: 100%; height: 4px; color: black; background-color: black; display: none;"></div>
<div class="header">&#xa0;</div></div><div style="text-align: center;">
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">BOGOTA FINANCIAL CORP. </font>
  </div>
  <div style="text-align: center;">
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">CONSOLIDATED STATEMENTS OF OPERATIONS</font>
  </div>
  <div style="text-align: center;">
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">(unaudited) </font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <table style="margin-left: 0.25pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; color: black; width: 100%; border-spacing: 0px;" cellpadding="0">
   <tr style="height: 0px; font-size: 0px;">
    <td>&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="6" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Three Months Ended</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="6" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Six Months Ended</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="6" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">June 30,</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="6" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">June 30,</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Interest income
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Loans, including fees
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">7,522,862</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">8,291,923</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">15,510,465</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">16,895,052</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Securities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">&#xa0;

      &#x2014;

    &#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Taxable
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1,855,996</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1,943,360</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4,117,414</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3,773,754</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Tax-exempt
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2,888</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2,894</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5,777</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5,789</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Other interest-earning assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">207,404</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">266,987</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">443,991</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">754,158</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Total interest income
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">9,589,150</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">10,505,164</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">20,077,647</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">21,428,753</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Interest expense
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Deposits
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4,613,406</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5,524,138</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">9,603,665</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">11,286,462</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      FHLB advances
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">1,136,032</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">1,286,421</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">2,207,779</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">2,854,448</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Total interest expense
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">5,749,438</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">6,810,559</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">11,811,444</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">14,140,910</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Net interest income
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3,839,712</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3,694,605</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">8,266,203</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">7,287,843</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Provision (recovery) for credit losses
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">&#xa0;

      &#x2014;

    &#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">&#xa0;

      &#x2014;

    &#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">50,000</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(80,000</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Net interest income after provision (recovery) for credit losses
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">3,839,712</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">3,694,605</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">8,216,203</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">7,367,843</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Non-interest income
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Fees and service charges
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">46,343</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">59,755</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">111,494</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">115,574</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Gain on sale of loans
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">&#xa0;

      &#x2014;

    &#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">8,768</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">&#xa0;

      &#x2014;

    &#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">37,830</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Bank-owned life insurance
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">228,330</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">228,392</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">450,622</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">990,623</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Other
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">386,046</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">34,795</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">419,850</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">77,055</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total non-interest income
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">660,719</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">331,710</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">981,966</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">1,221,082</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Non-interest expense
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Salaries and employee benefits
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1,984,689</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2,059,942</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4,037,535</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4,140,141</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Occupancy and equipment
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">640,405</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">640,444</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1,342,762</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1,311,913</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      FDIC insurance assessment
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">86,404</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">103,934</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">185,404</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">210,520</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Data processing
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">318,138</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">305,034</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">588,853</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">620,731</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Advertising
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">38,500</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">16,000</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">90,500</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">121,500</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Director fees
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">126,631</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">170,812</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">265,262</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">330,256</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Professional fees
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">247,166</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">372,364</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">489,447</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">571,094</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Other
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">212,307</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">185,972</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">434,135</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">408,017</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total non-interest expense
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">3,654,240</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">3,854,502</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">7,433,898</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">7,714,172</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Income before income taxes
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">846,191</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">171,813</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1,764,271</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">874,753</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Income tax expense (benefit)
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">98,669</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(52,582</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">310,803</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(80,589</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Net income
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">747,522</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">224,395</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">1,453,468</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">955,342</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Earnings per Share - basic
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.06</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.02</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.12</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.08</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Earnings per Share - diluted
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.06</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.02</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.12</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.08</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Weighted average shares outstanding - basic
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">12,492,325</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">12,635,990</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">12,598,741</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">12,642,744</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Weighted average shares outstanding - diluted
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">12,507,536</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">12,641,179</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">12,609,946</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">12,644,701</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
  </table>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font>&#xa0;</font>
  </div>

  <div style="width: 100%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10px; margin-top: 0px; margin-bottom: 0px; text-indent: 0px; font-weight: normal; font-style: normal; text-decoration: none;">
  <div style="text-align: center;">8</div>
  <div style="break-after: page;"><hr style="border-width: medium; border-style: none; border-color: currentcolor; border-image: none; width: 100%; height: 4px; color: black; background-color: black; display: none;"></div>
<div class="header">&#xa0;</div></div><div style="text-align: center;">
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">BOGOTA FINANCIAL CORP. </font>
  </div>
  <div style="text-align: center;">
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">SELECTED RATIOS </font>
  </div>
  <div style="text-align: center;">
   <font style="font-size: 10.0pt; color: #000000;">(unaudited)</font></div>
  <div style="text-align: center;">&#xa0;</div><table style="margin-left: 0.25pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; color: black; width: 100%; border-spacing: 0px;" cellpadding="0">
   <tr style="height: 0px; font-size: 0px;">
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td><td style="width: 1%;">&#xa0;</td>

    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td><td style="width: 1%;">&#xa0;</td>

    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td><td style="width: 1%;">&#xa0;</td>

    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td><td style="width: 1%;">&#xa0;</td>

    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td colspan="5" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">At or For the Three Months</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td colspan="5" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">At or for the Six Months</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td colspan="5" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Ended June 30,</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td colspan="5" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Ended June 30,</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td colspan="1" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 9%; text-align: center;">
     <div>
      <font style="font-weight: bold;">2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td colspan="1" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 9%; text-align: center;">
     <div>
      <font style="font-weight: bold;">2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td colspan="1" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 9%; text-align: center;">
     <div>
      <font style="font-weight: bold;">2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td colspan="1" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 9%; text-align: center;">
     <div>
      <font style="font-weight: bold;">2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      <font style="font-weight: bold;">Performance Ratios (1):</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Return on average assets (2)
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;"></td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.09</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;"></td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.02</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;"></td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.17</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;"></td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.1</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Return on average equity (3)
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.53</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.16</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.03</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.1</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Interest rate spread (4)
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.4</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.2</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.49</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.15</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Net interest margin (5)
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.94</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.74</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.06</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.7</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Efficiency ratio (6)
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">81.2</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">95.73</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">80.38</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">90.66</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Average interest-earning assets to average interest-bearing liabilities
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">118.1</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">116.49</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">117.83</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">115.24</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Net loans to deposits
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">110.99</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">110.34</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">110.99</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">110.34</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Average equity to average assets (7)
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">16.49</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">15.02</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">16.2</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">14.88</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      <font style="font-weight: bold;">Capital Ratios:</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Tier 1 capital to average assets
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">16.45</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">15.32</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      <font style="font-weight: bold;">Asset Quality Ratios:</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Allowance for credit losses as a percent of total loans
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.4</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.37</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Allowance for credit losses as a percent of non-performing loans
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">9.95</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">18.69</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Net charge-offs to average outstanding loans during the period
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">0</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Non-performing loans as a percent of total loans
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.05</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">2</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Non-performing assets as a percent of total assets
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.96</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td><td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>

    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.5</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
  </table>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <table style="font-size: 12pt; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 100%;">
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 18pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">(1)</font>
     </div>
    </td>
    <td style="padding: 0; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Certain performance ratios for the&#xa0;three and six months ended June 30, 2026 and 2025&#xa0;are annualized.</font>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 18pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">(2)</font>
     </div>
    </td>
    <td style="padding: 0; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Represents net income divided by average total assets.</font>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 18pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">(3)</font>
     </div>
    </td>
    <td style="padding: 0; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Represents net income divided by average stockholders&#x2019;&#xa0;equity.</font>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 18pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">(4)</font>
     </div>
    </td>
    <td style="padding: 0; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Represents the difference between the weighted average yield on average interest-earning assets and the weighted average cost of average interest-bearing liabilities. Tax exempt income is reported on a tax equivalent basis using a combined federal and state marginal tax rate of 27.5% for 2026&#xa0;and 2025.</font>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 18pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">(5)</font>
     </div>
    </td>
    <td style="padding: 0; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Represents net interest income as a percent of average interest-earning assets. Tax exempt income is reported on a tax equivalent basis using a combined federal and state marginal tax rate of 27.5% for&#xa0;2026&#xa0;and 2025.</font>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 18pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">(6)</font>
     </div>
    </td>
    <td style="padding: 0; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Represents non-interest expenses divided by the sum of net interest income and non-interest income.</font>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 18pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">(7)</font>
     </div>
    </td>
    <td style="padding: 0; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Represents average stockholders&#x2019;&#xa0;equity divided by average total assets.</font>
     </div>
    </td>
   </tr>
  </table>
  <div style="font-size: 10pt;">&#xa0;
  </div>

  <div style="width: 100%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10px; margin-top: 0px; margin-bottom: 0px; text-indent: 0px; font-weight: normal; font-style: normal; text-decoration: none;">
  <div style="text-align: center;">9</div>
  <div style="break-after: page;"><hr style="border-width: medium; border-style: none; border-color: currentcolor; border-image: none; width: 100%; height: 4px; color: black; background-color: black; display: none;"></div>
<div class="header">&#xa0;</div></div><div style="text-align: left;">
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">LOANS </font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div style="text-align: left;">
   <font style="font-size: 10.0pt; color: #000000;">Loans are summarized as follows at </font><font style="font-size: 10.0pt;">June 30, 2026</font><font style="font-size: 10.0pt; color: #000000;">&#xa0;and </font><font style="font-size: 10.0pt;">December 31, 2025</font><font style="font-size: 10.0pt; color: #000000;">:</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <table style="margin-left: 0.25pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; color: black; width: 100%; border-spacing: 0px;" cellpadding="0">
   <tr style="height: 0px; font-size: 0px;">
    <td>&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">June 30,</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">December 31,</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="6" style="vertical-align: bottom; text-align: center;">
     <div>
      (unaudited)
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Real estate:
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Residential First Mortgage
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">435,989,187</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">443,894,498</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Commercial Real Estate
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">116,887,887</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">121,960,681</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Multi-Family Real Estate
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">65,539,077</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">58,944,579</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Construction
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">18,867,564</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">22,046,399</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Commercial and Industrial
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2,494,250</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3,211,338</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Consumer
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">114,817</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">118,061</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total loans
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">639,892,782</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">650,175,556</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Allowance for credit losses
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(2,579,949</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(2,529,949</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Net loans
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">637,312,833</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">647,645,607</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
   </tr>
  </table>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">The following tables set forth the distribution of total deposit accounts, by account type, at the dates indicated:</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <table cellpadding="0" style="margin-left: 0.25pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; color: black; width: 100%; border-spacing: 0px;">
   <tr style="height: 0px; font-size: 0px;">
    <td>&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">At June 30,</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">At December 31,</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Amount</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Percent</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Average Rate</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Amount</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Percent</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Average Rate</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="22" style="vertical-align: bottom; text-align: center;">
     <div>
      (unaudited)
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Non-interest bearing demand accounts
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">30,478,615</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5.31</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">&#xa0;

      &#x2014;





    </td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">28,177,516</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.32</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">&#xa0;

      &#x2014;





    </td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      NOW accounts
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">65,426,250</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">11.39</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.85</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">65,532,122</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">10.04</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.76</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Money market accounts
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">10,365,455</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.81</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.42</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">10,244,512</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.57</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">0.44</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Savings accounts
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">65,414,499</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">11.39</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.66</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">54,558,439</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">8.36</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.13</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Certificates of deposit
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">402,534,759</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">70.1</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">3.52</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">493,934,468</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">75.7</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">3.75</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">574,219,578</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">100</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.1</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">652,447,057</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">100</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.3</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
  </table>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font>&#xa0;</font>
  </div>

  <div style="width: 100%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10px; margin-top: 0px; margin-bottom: 0px; text-indent: 0px; font-weight: normal; font-style: normal; text-decoration: none;">
  <div style="text-align: center;">10</div>
  <div style="break-after: page;"><hr style="border-width: medium; border-style: none; border-color: currentcolor; border-image: none; width: 100%; height: 4px; color: black; background-color: black; display: none;"></div>
<div class="header">&#xa0;</div></div><div>
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">Average Balance Sheets and Related Yields and Rates </font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">The following tables present information regarding average balances of assets and liabilities, the total dollar amounts of interest income and dividends from average interest-earning assets, the total dollar amounts of interest expense on average interest-bearing liabilities, and the resulting annualized average yields and costs. The yields and costs for the periods indicated are derived by dividing income or expense by the average balances of assets or liabilities, respectively, for the periods presented. Average balances have been calculated using daily balances. Nonaccrual loans are included in average balances only. Loan fees are included in interest income on loans and are not material.</font></div>

  <div>&#xa0;</div>
  <table cellpadding="0" style="margin-left: 0.25pt; width: 95%; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; color: black; border-spacing: 0px;">
   <tr style="height: 0px; font-size: 0px;">
    <td>&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="22" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Three Months Ended June 30,</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Average Balance</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Interest and Dividends</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Yield/ Cost</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Average Balance</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Interest and Dividends</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Yield/ Cost</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="22" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">(Dollars in thousands)</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      <font style="font-weight: bold;">Assets:</font>
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="22" style="vertical-align: bottom; text-align: center;">
     <div>
      (unaudited)
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Cash and cash equivalents
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">9,862</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">107</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.33</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">9,976</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">106</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.26</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Loans
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">640,337</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">7,522</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.71</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">697,792</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">8,292</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.77</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Securities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">140,737</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1,859</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5.28</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">141,141</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1,946</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5.52</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Other interest-earning assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">6,107</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">101</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">6.65</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">7,085</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">161</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">9.09</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total interest-earning assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">797,043</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">9,589</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.82</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">855,994</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">10,505</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.92</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Non-interest-earning assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">63,828</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">65,094</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Total assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">860,871</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">921,088</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      <font style="font-weight: bold;">Liabilities and equity:</font>
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      NOW and money market accounts
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">81,501</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">466</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.29</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">73,261</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">447</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.44</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Savings accounts
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">60,620</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">386</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.55</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">48,751</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">249</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.05</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Certificates of deposit <font style="vertical-align: super;">(1)</font>
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">422,701</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">3,761</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.57</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; vertical-align: bottom;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">482,516</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">4,828</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.01</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; vertical-align: bottom;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total interest-bearing deposits
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">564,822</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4,613</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.28</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">604,528</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5,524</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.67</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      FHLB advances (1)
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">110,045</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">1,136</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.14</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">130,277</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">1,286</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.96</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Total interest-bearing liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">674,867</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">5,749</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.42</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">734,805</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">6,810</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.72</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Non-interest-bearing deposits
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">31,404</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">32,076</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Other non-interest-bearing liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">12,634</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">15,894</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">718,905</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">782,775</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total equity
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">141,966</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">138,313</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Total liabilities and equity
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">860,871</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">921,088</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Net interest income
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">3,840</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">3,695</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Interest rate spread <font style="vertical-align: super;">(2)</font>
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.40</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; vertical-align: bottom;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.20</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; vertical-align: bottom;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Net interest margin <font style="vertical-align: super;">(3)</font>
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.94</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; vertical-align: bottom;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.74</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; vertical-align: bottom;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Average interest-earning assets to average interest-bearing liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 3px double black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">118.10</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 3px double transparent; vertical-align: bottom;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 3px double black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">116.49</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 3px double transparent; vertical-align: bottom;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
  </table><div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <table style="font-size: 12pt; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 100%;">
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 19.5pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">1.</font>
     </div>
    </td>
    <td style="padding: 0; width: 1080pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Cash flow and fair value hedges are used to manage interest rate risk. During the three months ended June 30, 2026 and 2025, the net effect on interest expense on the FHLB&#xa0;advances and certificates of deposit was an increased&#xa0;expense of $37,000 and a reduced expense of $186,000, respectively.</font>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 19.5pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">2.</font>
     </div>
    </td>
    <td style="padding: 0; width: 1080pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.</font>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 19.5pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">3.</font>
     </div>
    </td>
    <td style="padding: 0; width: 1080pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Net interest margin represents net interest income divided by average total interest-earning assets.</font>
     </div>
    </td>
   </tr>
  </table>

  <div style="width: 100%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10px; margin-top: 0px; margin-bottom: 0px; text-indent: 0px; font-weight: normal; font-style: normal; text-decoration: none;">
  <div style="text-align: center;">11</div>
  <div style="break-after: page;"><hr style="border-width: medium; border-style: none; border-color: currentcolor; border-image: none; width: 100%; height: 4px; color: black; background-color: black; display: none;"></div>
<div class="header">&#xa0;</div></div><table cellpadding="0" style="margin-left: 0.25pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; color: black; width: 100%; border-spacing: 0px;">
   <tr style="height: 0px; font-size: 0px;">
    <td>&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="22" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Six Months Ended June 30,</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Average Balance</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Interest and Dividends</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Yield/ Cost</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Average Balance</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Interest and Dividends</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Yield/ Cost</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="22" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">(Dollars in thousands)</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      <font style="font-weight: bold;">Assets:</font>
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Cash and cash equivalents
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">10,584</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">230</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.34</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">13,270</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">371</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5.58</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Loans
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">644,096</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">15,510</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.82</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">701,423</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">16,895</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.82</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Securities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">146,787</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4,123</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5.62</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">143,199</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3,779</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">5.28</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Other interest-earning assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">5,841</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">214</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">7.34</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">7,692</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">384</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">9.97</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total interest-earning assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">807,308</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">20,077</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.97</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">865,584</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">21,429</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.95</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Non-interest-earning assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">65,807</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">61,323</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">873,115</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">926,907</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      <font style="font-weight: bold;">Liabilities and equity:</font>
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      NOW and money market accounts
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">82,728</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1,009</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.46</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">76,313</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">904</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.39</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Savings accounts
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">57,882</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">703</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.45</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">47,299</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">475</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.02</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Certificates of deposit
     <font style="font-size: .83em; vertical-align: super;">(1)</font></div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">440,920</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">7,892</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.61</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">483,380</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">9,908</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.13</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Total interest-bearing deposits
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">581,530</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">9,604</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.33</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">606,992</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">11,287</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.75</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      FHLB advances (1)
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">103,589</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">2,207</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">4.30</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">144,120</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">2,854</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.99</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Total interest-bearing liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">685,119</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">11,811</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.48</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">751,112</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">14,141</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">3.80</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Non-interest-bearing deposits
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">29,917</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">32,425</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Other non-interest-bearing liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">16,599</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">5,420</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">731,635</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">788,957</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Total equity
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">141,480</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 3px double black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">137,950</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total liabilities and equity
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 1px solid black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">873,115</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">926,907</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Net interest income
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">8,266</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">7,288</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Interest rate spread
     <font style="font-size: .83em; vertical-align: super;">(2)</font></div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.49</td>
    <td style="width: 1%; text-align: left; vertical-align: bottom;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.15</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; vertical-align: bottom;">%</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Net interest margin
     <font style="font-size: .83em; vertical-align: super;">(3)</font></div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">2.06</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; vertical-align: bottom;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1.70</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; vertical-align: bottom;">%</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Average interest-earning assets to average interest-bearing liabilities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 3px double black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">117.83</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 3px double transparent; vertical-align: bottom;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 3px double black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">115.24</td>
    <td style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 3px double transparent; vertical-align: bottom;">%</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
  </table>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <table style="font-size: 12pt; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 100%;">
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 19.5pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">1.</font>
     </div>
    </td>
    <td style="padding: 0; width: 1080pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Cash flow and fair value hedges are used to manage interest rate risk. During the six&#xa0;months ended June 30, 2026 and 2025, the net effect on interest expense on the FHLB&#xa0;advances and certificates of deposit was an increased&#xa0;expense of $21,000 and a reduced expense of $363,000, respectively.</font>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 19.5pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">2.</font>
     </div>
    </td>
    <td style="padding: 0; width: 1080pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.</font>
     </div>
    </td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="padding: 0; width: 19.5pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">3.</font>
     </div>
    </td>
    <td style="padding: 0; width: 1080pt; padding-top: 0.25pt; padding-bottom: 0.25pt; padding-left: 0.25pt; padding-right: 0.25pt;">
     <div>
      <font style="font-size: 10.0pt; color: #000000;">Net interest margin represents net interest income divided by average total interest-earning assets.</font>
     </div>
    </td>
   </tr>
  </table>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font>&#xa0;</font>
  </div>

  <div style="width: 100%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10px; margin-top: 0px; margin-bottom: 0px; text-indent: 0px; font-weight: normal; font-style: normal; text-decoration: none;">
  <div style="text-align: center;">12</div>
  <div style="break-after: page;"><hr style="border-width: medium; border-style: none; border-color: currentcolor; border-image: none; width: 100%; height: 4px; color: black; background-color: black; display: none;"></div>
<div class="header">&#xa0;</div></div><div>
   <font style="font-size: 10.0pt; color: #000000; font-weight: bold;">Rate/Volume Analysis</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">The following table sets forth the effects of changing rates and volumes on net interest income. The rate column shows the effects attributable to changes in rate (changes in rate multiplied by prior volume). The volume column shows the effects attributable to changes in volume (changes in volume multiplied by prior rate). The net column represents the sum of the prior columns. Changes attributable to changes in both rate and volume that cannot be segregated have been allocated proportionally based on the changes due to rate and the changes due to volume.</font>
  </div>
  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>

  <table cellpadding="0" style="margin-left: 0.25pt; font-size: 9pt; width: 95%; font-family: &quot;Times New Roman&quot;, Times, serif; color: black; border-spacing: 0px;">
   <tr style="height: 0px; font-size: 0px;">
    <td>&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td>&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
    <td style="width: 9%;">&#xa0;</td>
    <td style="width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Three Months Ended June 30, 2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Six Months Ended June 30, 2026</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Compared to</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Compared to</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Three Months Ended June 30, 2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Six Months Ended June 30, 2025</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Increase (Decrease) Due to</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="10" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Increase (Decrease) Due to</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Volume</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Rate</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Net</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Volume</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Rate</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
    <td style="vertical-align: bottom; text-align: center;">&#xa0;</td>
    <td colspan="2" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">Net</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%; text-align: center;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="22" style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;">
     <div>
      <font style="font-weight: bold;">(In thousands)</font>
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      <font style="font-weight: bold;">Interest income:</font>
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td colspan="22" style="vertical-align: bottom; text-align: center;">
     <div>
      (unaudited)
     </div>
    </td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Cash and cash equivalents
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(5</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">6</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">1</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(67</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(74</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(141</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Loans receivable
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(668</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(102</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(770</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(1,385</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">&#xa0;

      &#x2014;

    &#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(1,385</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Securities
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(5</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(82</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(87</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">96</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">248</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">344</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
   </tr>
   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">
     <div>
      Other interest earning assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(20</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(40</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(60</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(81</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(89</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(170</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
   </tr>
   <tr style="vertical-align: top;">
    <td style="vertical-align: bottom;">
     <div>
      Total interest-earning assets
     </div>
    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(698</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(218</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(916</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(1,437</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">85</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(1,352</td>
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   <tr style="vertical-align: top; background-color: rgb(204, 238, 255);">
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
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      <font style="font-weight: bold;">Interest expense:</font>
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    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%;">&#xa0;</td>
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      NOW and money market accounts
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    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">154</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
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    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">19</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">77</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">28</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">105</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
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      Savings accounts
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    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">68</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">69</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">137</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">117</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">111</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">228</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left;">&#xa0;</td>
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     <div>
      Certificates of deposit
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    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
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    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(501</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(1,067</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(828</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(1,188</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right;">(2,016</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left;">)&#xa0;</td>
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    <td style="vertical-align: bottom;">
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      FHLB advances
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    </td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(479</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">329</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(150</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(1,207</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">560</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 1px solid transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(647</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
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     <div>
      Total interest-bearing liabilities
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    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(822</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(239</td>
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    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(1,061</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(1,842</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(488</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 1%; text-align: right; border-bottom: 1px solid black;">&#xa0;</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 1px solid black;">(2,330</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: left; border-bottom: 1px solid transparent;">)&#xa0;</td>
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      Net increase in net interest income
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    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">124</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">21</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">145</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">405</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
    <td style="vertical-align: bottom;">&#xa0;</td>
    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">573</td>
    <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 3px double transparent;">&#xa0;</td>
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    <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin-left: 0.25pt; width: 1%; text-align: right; border-bottom: 3px double black;">$</td>
    <td style="vertical-align: bottom; width: 9%; text-align: right; border-bottom: 3px double black;">978</td>
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  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
  </div>
  <div>
   <font style="font-size: 10.0pt; color: #000000;">Contacts</font>
  </div>
  <div style="font-size: 8.5pt;">
   <font style="color: rgb(0, 0, 0);">Kevin Pace&#xa0;&#x2013; President&#xa0;&amp; CEO, 201-862-0660 ext. 1110</font>
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  <div>
   <font style="font-size: 10.0pt;">&#xa0;</font>
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  <div>
   <font>&#xa0;</font>
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<SEQUENCE>4
<FILENAME>bsbk-20260730_lab.xml
<DESCRIPTION>INLINE XBRL TAXONOMY EXTENSION - LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Thu Jul 30 20:15:17 UTC 2026 -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <loc xlink:type="locator" xlink:label="dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentType"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentPeriodEndDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityRegistrantName"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityIncorporationStateCountryCode"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityFileNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityTaxIdentificationNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressAddressLine1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressCityOrTown"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressStateOrProvince"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressPostalZipCode"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CityAreaCode"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LocalPhoneNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_WrittenCommunications" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_WrittenCommunications"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_SolicitingMaterial" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_SolicitingMaterial"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_PreCommencementTenderOffer"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_Security12bTitle"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_TradingSymbol"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_SecurityExchangeName"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityEmergingGrowthCompany"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCentralIndexKey"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_AmendmentFlag"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl0" xml:lang="en-US">City Area Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl0" xml:lang="en-US">Document Type</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl0" xml:lang="en-US">Entity Emerging Growth Company</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl0" xml:lang="en-US">Entity Central Index Key</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl0" xml:lang="en-US">Entity File Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl0" xml:lang="en-US">Entity Address, City or Town</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl0" xml:lang="en-US">Entity Address, Postal Zip Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl0" xml:lang="en-US">Amendment Flag</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl0" xml:lang="en-US">Document Period End Date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl0" xml:lang="en-US">Written Communications</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl0" xml:lang="en-US">Entity Address, State or Province</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl0" xml:lang="en-US">Soliciting Material</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl0" xml:lang="en-US">Pre-commencement Issuer Tender Offer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl0" xml:lang="en-US">Pre-commencement Tender Offer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl0" xml:lang="en-US">Trading Symbol</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl0" xml:lang="en-US">Title of 12(b) Security</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl0" xml:lang="en-US">Entity Registrant Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl0" xml:lang="en-US">Entity Incorporation, State or Country Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl0" xml:lang="en-US">Entity Tax Identification Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl0" xml:lang="en-US">Security Exchange Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl0" xml:lang="en-US">Entity Address, Address Line One</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl0" xml:lang="en-US">Local Phone Number</label>
<!-- [WMV7][6CMepXqA0mY0LvBfLRHsGn9Nhg554jU0EE8/OQNNCxmlX+KoiAn9hna/cJxTzbHXrUUZi/aM53mWXKGfSJusMlpXIYIVikizsLHXYj1akcoLZP5nHQO41Eyu6t7Xf7wCY91d2p9Xv3xhaBGHVtxYOab77wsXifJDp/JCguqd6vDIOjbNn5kVUtF07newe6jWvRT+h93xWswyB+V7d9/KL77nkppEJz3BWmrqXS7c2CSyadm3fLiH0vnudRctJ6nbj4PpF02lAkCqVSEoQbYD5+CsLtoOGgOsyRqxGp0=] CSR-->
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl0"/>
  </labelLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>bsbk-20260730_pre.xml
<DESCRIPTION>INLINE XBRL TAXONOMY EXTENSION - PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Thu Jul 30 20:15:17 UTC 2026 -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>Jul. 30, 2026</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001787414<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jul. 30,  2026<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Bogota Financial Corp.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">MD<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-39180<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">84-3501231<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">819 Teaneck Road,<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Teaneck<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NJ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">07666<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">201<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">862-0660<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, par value $0.01<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">BSBK<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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