ADDED
As of March 6, 2026, the registrant had 8,716,662 shares of common stock issued and outstanding.
Our commercial banking products and services are delivered through a relationship banking model or through strategic partnerships and include commercial and industrial ( C I ) lending, construction and investor commercial real estate lending, single tenant lease financing, public finance, specialty finance, small business lending, and commercial deposits and treasury management.
Our specialty finance team manages our healthcare, franchise finance and equipment finance portfolios and our commercial deposits and treasury management team works with the other commercial teams to provide deposit products and treasury management services to our commercial and municipal lending customers as well as pursues commercial deposit opportunities in business segments where we have no credit relationships.
We ranked as the 7 th largest Small Business Administration ( SBA ) 7(a) lender for the SBA s 2025 fiscal year.
As of December 31, 2025, the Company had consolidated assets of $5.6 billion, consolidated deposits of $4.8 billion and shareholders equity of $359.8 million.
1 Human Capital As of December 31, 2025, we employed 355 people consisting of 354 full-time employees and 1 part-time employee.
We also offer tuition reimbursement for professional development and a robust internal training program.
In addition, we provide leadership training and coaching through certified HR coaches and a third party consultant to help employees develop their skills, leverage their strengths, lead effectively, advance their careers, and perform competently and confidently.
For our construction, investor commercial real estate, public finance and specialty finance activities, we compete nationally with superregional, regional and community banks.
Additionally, as of December 31, 2025, the Bank had access to $1.6 billion in unused borrowing capacity at the Federal Reserve and FHLB.
REMOVED
As of March 7, 2025, the registrant had 8,697,085 shares of common stock issued and outstanding.
Our commercial banking products and services are delivered through a relationship banking model or through strategic partnerships and include commercial and industrial ( C I ), construction and investor commercial real estate, single tenant lease financing, public finance, healthcare finance, small business lending, franchise finance and commercial deposits and treasury management.
Our healthcare finance team was established in conjunction with our strategic partnership with Provide, Inc.
(formerly known as Lendeavor, Inc.), a San Francisco-based technology-enabled lender to healthcare practices, which provided lending on a nationwide basis for healthcare practice finance or acquisition, acquisition or refinancing of owner-occupied commercial real estate and equipment purchases.
In the third quarter 2021, Provide was acquired by a super-regional financial institution.
Subsequent to Provide being acquired, the acquiring institution has retained most, if not all, of Provide s loan origination activity and our healthcare finance loan balances have declined.
Our franchise finance business was established in July 2021 in conjunction with our business relationship with ApplePie Capital, a company that specializes in providing financing to franchisees in various industry segments.
Our commercial deposits and treasury management team works with the other commercial teams to provide deposit products and treasury management services to our commercial and municipal lending customers as well as pursues commercial deposit opportunities in business segments where we have no credit relationships.
We ranked as the 8 th largest Small Business Administration ( SBA ) 7(a) lender for the SBA s 2024 fiscal year.
We continue to scale up this business with the goal of driving increased earnings and profitability in future periods.