How did book value and market value per share change for TYCB by Q1 2026?

TYCB’s per-share metrics rose over the past year, supporting shareholder value. According to the company, book value per share increased 11.4% year-over-year to $48.93, while the period-end market value per share was $57.50, up from $47.01 in Q1 2025.

Calvin B. Taylor Bankshares, Inc. Reports First Quarter 2026 Financial Results

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Calvin B. Taylor Bankshares (OTCQX: TYCB) reported 1Q26 net income of $3.8 million, or $1.44 per share, up from 1Q25 and 4Q25. Net interest income rose 12.7% year-over-year, loans grew 7.3% to $690.5 million, and deposits increased 4.1% to $858.6 million.

Net interest margin reached 3.98% and ROAA was 1.58%. Noninterest income fell 70.8% year-over-year, reflecting a prior-year land sale gain and a $761 thousand securities loss. The company repurchased 25,892 shares and raised the quarterly dividend 5.6% year-over-year.

Positive

Net income of $3.8 million; EPS $1.44, up 6.1% year-over-year
Net interest income up 12.7% year-over-year to $9.17 million
Loans up 7.3% year-over-year to $690.5 million; deposits up 4.1%
Net interest margin of 3.98% and ROAA of 1.58% in 1Q26
Repurchased 25,892 shares for $1.35 million; dividend per share up 5.6% year-over-year
Stockholders’ equity up 7.9% year-over-year; book value per share up 11.4%

Negative

Net interest income down 2.4% sequentially versus 4Q25
Noninterest income down 37.8% quarter-over-quarter and 70.8% year-over-year, including a $761,000 securities loss
Efficiency ratio at 47.34%, higher than 43.83% in 1Q25
Cash and unencumbered debt securities/total deposits declined to 27.58% from 29.81% in 4Q25
Noninterest-bearing deposits/total deposits fell to 26.47% from 28.59% in 1Q25

News Market Reaction – TYCB

+3.69%

+3.69% Session close to close

In the Jun 11 session, TYCB gained 3.69%, reflecting a moderate positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

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06/03/2026 - 04:45 PM

BERLIN, MD / ACCESS Newswire / June 3, 2026 / Calvin B. Taylor Bankshares, Inc. (the "Company") (OTCQX:TYCB), the holding company of Calvin B. Taylor Bank (the "Bank"), today reported net income for the first quarter 2026 ("1Q26") of $3.8 million, or $1.44 per share compared to net income of $3.6 million, or $1.34 per share for the fourth quarter of 2025 ("4Q25"), and net income of $3.7 million, or $1.36 per share for the first quarter of 2025 ("1Q25").

First Quarter 2026 Highlights

Organic Loan Growth - Gross loans increased in 1Q26 by $29.1 million, or 4.4% when compared to the end of 4Q25 and increased $46.8 million, or 7.3% when compared to the end of 1Q25. Diversification in both commercial and residential real estate lending has supported continued organic loan growth.
Continued Deposit Growth - Total deposits increased $4.5 million, or less than 1% when compared to the end of 4Q25 and increased $33.9 million, or 4.1% when compared to the end of 1Q25. Seasonal deposit outflows were more than offset by new customer acquisition and the expansion of existing deposit relationships.

Net Interest Margin Expansion - Net interest margin ("NIM") increased to 3.98% for 1Q26, when compared to 3.90% for 4Q25 and 3.73% for 1Q25. NIM expansion was driven by an improvement in yield on earning assets including loans and investment securities.

Stable and Robust Return on Average Assets ("ROAA") - The ROAA for 1Q26 was 1.58%, compared to 1.44% for 4Q25 and 1.62% for 1Q25. The Bank's ROAA continues to be in the top 10% of local and regional peers. The higher ROAA in 1Q25 was impacted by a one-time gain on sale of excess land adjacent to an existing bank branch.

Credit Quality Remains Strong - Nonperforming loans and charge-offs remain well below peer levels at both the local and regional level. The Bank's disciplined credit practices have provided strong asset quality while continuing to support organic loan growth.

Capital Allocation and Stockholder Value - Continued to provide a tax-efficient return of capital to stockholders by repurchasing and retiring 25,982 shares of common stock in 1Q26. Quarterly cash dividends have also been utilized to provide a return of capital to stockholders and increased 5.6% in 1Q26 as compared to 1Q25.

Chief Executive Officer and President M. Dean Lewis commented, "The first quarter of 2026 reflected strong financial performance, consistent organic growth, and disciplined balance sheet management. Our lending and credit teams generated robust loan growth, complemented by continued expansion of our core deposit base by our retail deposit team. Strong financial performance was achieved alongside continued investment in both the customer and employee experience. In the first quarter of 2026, we launched a digital platform that allows customers to open consumer deposit accounts online. We also invested in technology to strengthen fraud detection and prevention, enhancing our ability to protect customers as threats continue to increase and evolve. Operational efficiency continues to be a priority, and we are utilizing technology to modernize processes and improve customer service."

Quarterly Results of Operations

Quarterly net income was $3.8 million for 1Q26, as compared to $3.6 million for 4Q25 and $3.7 million for 1Q25. A summary of the quarterly results of operations are included in the table and comments that follow.

	For the Three Months Ended									Prior Year			Prior Quarter
	Mar. 31, 2026			Mar. 31, 2025			Dec. 31, 2025			Change			Change
Results of Operations
Net interest income	$	9,172,477		$	8,136,502		$	9,399,072			12.7	%		(2.4	)%
Provision for credit losses		-			399,000			200,000			(100.0	)		(100.0	)
Noninterest income		557,347			1,908,390			895,916			(70.8	)		(37.8	)
Noninterest expense		4,752,504			4,736,681			5,444,112			0.3			(12.7	)
Income before income taxes		4,977,320			4,909,211			4,650,876			1.4			7.0
Income tax expense		1,139,000			1,185,000			1,014,339			(3.9	)		12.3
Net income	$	3,838,320		$	3,724,211		$	3,636,537			3.1	%		5.5	%

Yield on earning assets		5.12	%		4.92	%		5.04	%		20	bp		8	bp
Cost of interest-bearing deposits		1.72			1.81			1.76			(9	)		(4	)
Net interest margin		3.98			3.73			3.90			25			8
Return on average assets		1.58			1.62			1.44			(4	)		14
Return on average equity		11.99			12.96			11.19			(97	)		80
Efficiency ratio		47.34	%		43.83	%		52.88	%		350	bp		(554	)bp

Net interest income decreased $227 thousand, or 2.4% in 1Q26, as compared to 4Q25, due to decreases in interest income on deposits with other banks and investment securities of $411 thousand and $186 thousand, respectively, partially offset by an increase in interest and fees on loans of $256 thousand, and a lower interest expense on deposits of $115 thousand. The lower interest income on deposits with other banks and investment securities were the direct result of lower average balances in 1Q26, primarily due to loan growth funding and decreases in seasonal deposits. The average balance of loans in 1Q26 increased $30.4 million and total loan yields improved 1 bp, when compared to 4Q25. The decrease in deposit interest expense was primarily due to a lower average balance in total deposits of $21.9 million. Net interest income increased $1.0 million, or 12.7% in 1Q26, as compared to 1Q25, primarily due to an increase in average loan balances of $40.5 million coupled with a higher average yield of 21 bps. In addition, the average yield on investment securities improved by 53 bps.

Provision expense for credit losses decreased $200 thousand in 1Q26 when compared to 4Q25 and $399 thousand when compared to 1Q25, due to significant changes within the Company's CECL model during the quarter. The primary change was the result of a quantitative recalibration to the model which was implemented by the Company's third-party vendor. The Company enhanced its qualitative framework in 1Q26 by adding a qualitative factor related to non-owner occupied commercial and residential real estate, as well as loans secured by secondary residences. Overall, credit quality metrics remained steady with an improvement in loans past due 90 days or more to 0.04% of total loans in 1Q26 compared to 0.05% and 0.08% for 4Q25 and 1Q25.

Noninterest income decreased in 1Q26 by $339 thousand, or 37.8%, as compared to 4Q25, and $1.4 million, or 70.8%, as compared to 1Q25. The decrease in 1Q26 when compared to 4Q25, was due to the sale of investment securities at a loss which resulted in $20.5 million in proceeds which were reinvested in both loans and higher yielding securities. This type of sale is commonly known as a "swap loss trade" in which securities are sold at a loss and reinvested into higher yielding investments. The earn back period on this sale is forecasted to be less than one year. The decrease in noninterest income in 1Q26 when compared to 1Q25, was the result of a one-time sale of excess land adjacent to bank property in 2025 which resulted in a gain of $1.9 million, partially offset by a realized loss of $761 thousand on the sale of certain investment securities.

Noninterest expense decreased by $692 thousand, or 12.7% in 1Q26, as compared to 4Q25, and primarily reflected year-end tax planning for charitable contributions, acceleration of certain professional services, and adjustments to incentive compensation accruals. Noninterest expense in 1Q26 remained relatively unchanged as compared to 1Q25.

Quarterly per share data, dividend payout ratio, and repurchase of stock by the Company for each period is included in the following table. The amount and timing of future stock repurchases will depend upon several factors including regulatory capital requirements, market value of the Company's stock, general market and economic conditions, liquidity, and other relevant considerations, as determined by the Company.

	For the Three Months Ended									Prior Year			Prior Quarter
	Mar. 31, 2026			Mar. 31, 2025			Dec. 31, 2025			Change			Change
Per Share Data
Basic and diluted net income per common share	$	1.44		$	1.36		$	1.34			6.1	%		7.5	%
Dividends paid per common share		0.38			0.36			0.37			5.6			2.7
Market value at period end		57.50			47.01			54.50			22.3			5.5
Book value per common share at period end		48.93			43.94			48.17			11.4			1.6
Book value per common share excluding OCI		50.95			46.79			49.91			8.9			2.1

Dividend payout ratio		26.36	%		26.36	%		27.59	%		1	bp		(123	)bp

Number of shares repurchased		25,892			3,741			51,429			592.1	%		(49.7	)%
Repurchase amount	$	1,347,507		$	183,309		$	2,687,781			635.1			(49.9	)
Average repurchase price	$	52.04		$	49.00		$	52.26			6.2	%		(0.4	)%

Financial Condition

Core deposits, deposit insurance, liquidity and capital remain an area of focus for the Company and the entire banking industry. The Company relies mostly on core deposits, as defined by bank regulators, which are gathered from customers in local markets. The Company and the Bank remain well capitalized according to regulatory capital standards and exceed the threshold to be well capitalized (Community Bank Leverage Ratio) as of March 31, 2026.

The Company's financial condition at quarter end is summarized in the table and comments that follow.

	For the Three Months Ended									Prior Year			Prior Quarter
	Mar. 31, 2026			Mar. 31, 2025			Dec. 31, 2025			Change			Change
Financial Condition
Assets	$	994,487,122		$	948,831,131		$	987,276,254			4.8	%		0.7	%
Cash and unencumbered debt securities		236,829,989			242,304,088			254,566,885			(2.3	)		(7.0	)
Loans		690,500,563			643,683,222			661,363,200			7.3			4.4
Deposits		858,603,408			824,748,066			854,033,027			4.1			0.5
Interest-bearing deposits		631,341,705			588,940,579			619,431,016			7.2			1.9
Stockholders' equity	$	129,033,855		$	119,613,303		$	128,278,344			7.9	%		0.6	%

Common stock outstanding		2,637,055			2,721,995			2,662,947			(84,940	)		(25,892	)
Stockholders' equity / assets		12.97	%		12.61	%		12.99	%		37	bp		(2	)bp

Average assets	$	984,499,030		$	933,476,103		$	1,004,876,979			5.5	%		(2.0	)%
Average loans		678,054,672			637,506,706			647,700,164			6.4			4.7
Average deposits		849,116,489			812,946,602			871,016,409			4.4			(2.5	)
Average stockholders' equity	$	129,777,843		$	116,522,796		$	128,943,993			11.4			0.6

Average stockholders' equity / assets		13.05	%		12.28	%		13.06	%		77	bp		(1	)bp
Tier 1 capital to average assets (leverage ratio)		13.65	%		13.64	%		13.23	%		0	bp		42	bp

The Company's deposits increased by $4.6 million, or less than 1% when compared to the 4Q25. The Company usually experiences seasonal deposit outflow during the first quarter due to the off-season of the local tourism based economy. The ability to grow deposits in the first quarter is a positive trend and reflects core deposit gathering initiatives to reduce dependency on seasonal deposits. The Company's deposits increased by $33.9 million, or 4.1% when compared to 1Q25. The Bank operates with a high level of core deposits, defined by banking regulators as checking, money market, and savings accounts plus any time deposits less than $250,000. All deposit accounts with a balance in excess of the FDIC insurance limit of $250,000 are disclosed on quarterly regulatory reports filed with bank regulators. As of 1Q26, the Bank had deposit accounts with balances in excess of $250,000 totaling $197.8 million, which represents 23.0% of total deposits, as compared to $206.0 million or 24.1% as of 4Q25 and $198.2 million or 24.0% of total deposits as of 1Q25. The Bank is a member of the IntraFi Network which enables large depositor's access to multimillion-dollar FDIC insurance for funds placed into the network and provides an equal amount of reciprocal deposits under FDIC insurance limits to the bank. In recent years, the banking industry has experienced a surge in usage of the IntraFi Network by existing and new customers, due to the added insurance protection and the higher rates paid on these deposits. Reciprocal deposits from the IntraFi Network were $157.0 million as of 1Q26, as compared to $153.6 million and $130.1 million as of 4Q25 and 1Q25, respectively.

On-balance sheet liquidity, as measured by cash and unencumbered available for sale debt securities, remains strong as of 1Q26 and equaled 27.6% of total deposits. Selected liquidity metrics are summarized in the table below.

	For the Three Months Ended									Prior Year			Prior Quarter
	Mar. 31, 2026			Mar. 31, 2025			Dec. 31, 2025			Change			Change
Liquidity
Cash and unencumbered debt securities / total deposits		27.58	%		29.38	%		29.81	%		(180	)bp		(222	)bp
Debt securities pledged/total debt securities		10.47			11.23			11.45			(76	)		(99	)
Loans / deposits		80.42			78.05			77.44			238			298
Average loans / average deposits		79.85			78.42			74.36			143			549
Noninterest-bearing deposits / total deposits		26.47			28.59			27.47			(212	)		(100	)
Non-maturity deposits / total deposits		56.21			55.33			55.52			88			69
Time deposits / total deposits		17.32	%		16.08	%		17.01	%		125	bp		31	bp

Noncore funding sources are available to the Bank but are intended for contingency funding needs and not to pursue growth. As of March 31, 2026, the Bank can borrow up to $274.9 million from the Federal Home Loan Bank ("FHLB") that would require pledging of loans and/or debt securities as collateral. Debt securities currently pledged are collateral for public deposits.

Loans and Asset Quality

Funding of previously committed construction loans, localized demand for commercial and residential real estate loans, and seasonal borrowings during 1Q26 resulted in continued organic loan growth with loans increasing $29.1 million, or 4.4%, since December 31, 2025. Loan growth of $46.8 million, or 7.3%, in the previous 12 months was the result of strong demand for local real estate and construction of both residential and commercial properties. Loan growth and the repricing of existing loans at current market rates contributed to an increase in the yield on loans from 5.53% in 1Q25 to 5.74% in 1Q26. Loan yields increased modestly by 1 bp in 1Q26 as compared to 4Q25.

Loan performance has remained strong over the past 12 months as local economic conditions have remained stable. Inflation and higher interest rates have not resulted in a deterioration of credit quality as of 1Q26. Loans past due 90 days or more have decreased and were 0.04% of total loans as of 1Q26, as compared to 0.05% for 4Q25 and 0.08% for 1Q25. Selected asset quality metrics are summarized in the table below.

	For the Three Months Ended									Prior Year			Prior Quarter
	Mar. 31, 2026			Mar. 31, 2025			Dec. 31, 2025			Change			Change
Asset Quality Data
Allowance for credit losses / total loans		0.75	%		0.67	%		0.76	%		9	bp		(0	)bp
Net charge-offs (recoveries) / average loans		0.00			0.00			0.00			(0	)		0
Loans past due 90 days or more / total loans		0.04			0.08			0.05			(4	)		(1	)
Non-accrual loans / total loans		0.17			0.16			0.16			1			1
Accruing troubled loan modifications ("TLMs") / total loans		0.26	%		0.23	%		0.32	%		3	bp		(6	)bp

Financial Statements

Consolidated balance sheets at period end and consolidated statements of income for the periods ended are presented below.

Calvin B. Taylor Bankshares, Inc.
Consolidated Balance Sheets

	(unaudited)						(unaudited)
	March 31			December 31,			March 31
	2026			2025			2025
ASSETS
Cash and due from banks	$	5,452,127		$	5,740,137		$	5,853,106
Federal funds sold and interest bearing deposits		59,397,109			61,119,244			63,983,546
Cash and cash equivalents		64,849,236			66,859,381			69,836,652

Investment securities available for sale (at fair value)		178,881,414			198,822,246			169,242,941
Investment securities held to maturity (at amortized cost)		13,205,368			13,166,812			25,036,162
Equity securities, at fair value		552,133			552,133			748,833
Restricted securities		711,500			675,800			675,000

Loans held for investment		690,500,563			661,363,200			643,683,222
Less: allowance for credit losses		(5,189,215	)		(4,998,223	)		(4,290,182	)
Loans, net		685,311,348			656,364,977			639,393,040

Accrued interest receivable		2,685,063			3,183,246			2,596,332
Prepaid expenses		1,032,316			744,624			593,106
Premises and equipment, net		16,319,727			16,485,407			12,819,144
Computer software, net		134,030			144,000			124,393
Deferred income taxes, net		1,513,177			1,294,479			2,122,779
Bank owned life insurance and annuities		28,724,446			28,499,211			22,401,461
Other assets		567,364			483,938			3,241,288
Total assets	$	994,487,122		$	987,276,254		$	948,831,131

LIABILITIES AND STOCKHOLDERS' EQUITY
Noninterest-bearing deposits	$	227,261,703		$	234,602,011		$	235,807,487
Interest-bearing deposits		631,341,705			619,431,016			588,940,579
Total deposits		858,603,408			854,033,027			824,748,066

Accrued interest payable		727,162			675,335			693,571
Accrued expenses		1,686,915			1,492,517			887,847
Deferred compensation and supplemental retirement benefits		1,605,979			1,552,531			1,397,495
Allowance for credit losses on off-balance sheet credit exposures		554,247			767,247			563,247
Other liabilities		2,275,556			477,253			927,602
Total liabilities		865,453,267			858,997,910			829,217,828

COMMITMENTS AND CONTINGENCIES

STOCKHOLDERS' EQUITY

Common stock, par value $1 per share; authorized 10,000,000		2,637,055			2,662,947			2,721,995
Additional paid in capital		952,957			2,288,047			728,112
Retained earnings		130,773,454			127,947,058			123,915,843
Accumulated other comprehensive loss, net of deferred income tax		(5,329,611	)		(4,619,708	)		(7,752,647	)
Total stockholders' equity		129,033,855			128,278,344			119,613,303
Total liabilities and stockholders' equity	$	994,487,122		$	987,276,254		$	948,831,131

Period-end common shares outstanding		2,637,055			2,662,947			2,721,995
Book value per common share	$	48.93		$	48.17			43.94

Calvin B. Taylor Bancshares, Inc.
Consolidated Statements of Income

	For the Three Months Ended						For the Three Months Ended
	March 31,						March 31,
	2026			2025			2026			2025
INTEREST INCOME
Interest and fees on loans	$	9,602,418		$	8,698,313		$	9,602,418		$	8,698,313
Interest on investment securities:
U.S. Treasury and government agency debt securities		777,935			632,111			777,935			632,111
Mortgage-backed debt securities		901,141			744,466			901,141			744,466
State and municipal debt securities		71,524			96,925			71,524			96,925
Interest on federal funds sold and interest-bearing deposits		449,384			549,901			449,384			549,901
Total interest income		11,802,402			10,721,716			11,802,402			10,721,716

INTEREST EXPENSE
Interest on deposits		2,629,925			2,585,214			2,629,925			2,585,214
Total interest expense		2,629,925			2,585,214			2,629,925			2,585,214

NET INTEREST INCOME		9,172,477			8,136,502			9,172,477			8,136,502
Provision for credit losses		-			399,000			-			399,000

NET INTEREST INCOME AFTER PROVISION
FOR CREDIT LOSSES		9,172,477			7,737,502			9,172,477			7,737,502

NONINTEREST INCOME
Debit card interchange fees, net		215,686			167,566			215,686			167,566
Nonsufficient funds and overdraft fees, net		207,581			180,818			207,581			180,818
Merchant payment processing, net		56,030			63,709			56,030			63,709
Service charges on deposit accounts, net		44,414			42,580			44,414			42,580
Income from bank owned life insurance annuities		226,592			164,007			226,592			164,007
Dividends		12,433			10,999			12,433			10,999
Loss on disposition of investment securities		(309,608	)		(760,933	)		(309,608	)		(760,933	)
Gain on disposition of fixed assets		650			1,929,954			650			1,929,954
Other noninterest income		103,569			109,690			103,569			109,690
Total noninterest income		557,347			1,908,390			557,347			1,908,390

NONINTEREST EXPENSE
Salaries and wages		2,245,426			1,919,681			2,245,426			1,919,681
Employee benefits		673,910			640,880			673,910			640,880
Occupancy expense		322,332			305,391			322,332			305,391
Furniture and equipment expense		216,767			202,465			216,767			202,465
Data processing		513,476			484,002			513,476			484,002
Marketing		45,784			103,998			45,784			103,998
Directors' fees		95,700			93,300			95,700			93,300
Telecommunication services		63,921			68,156			63,921			68,156
FDIC insurance premium expense		108,958			102,866			108,958			102,866
Professional fees		68,482			138,465			68,482			138,465
Other noninterest expenses		397,748			677,477			397,748			677,477
Total noninterest expense		4,752,504			4,736,681			4,752,504			4,736,681

Income before income taxes		4,977,320			4,909,211			4,977,320			4,909,211
Income tax expense		1,139,000			1,185,000			1,139,000			1,185,000

NET INCOME	$	3,838,320		$	3,724,211		$	3,838,320		$	3,724,211


Basic and diluted net income per common share	$	1.44		$	1.36		$	1.44		$	1.36

About Calvin B. Taylor Banking Company

Calvin B. Taylor Banking Company, the bank subsidiary of Calvin B. Taylor Bankshares, Inc. (OTCQX:TYCB), founded in 1890, offers a wide range of loan, deposit, and ancillary banking services through both physical and digital delivery channels. The Company has twelve full-service banking locations and one loan production office within the eastern coastal area of the Delmarva Peninsula including Worcester County and Wicomico County, Maryland, Accomack County and Northampton County, Virginia and Sussex County, Delaware.

Contact:

Philip O'Neil, Chief Financial Officer and Executive Vice President
410‑641‑1700, taylorbank.com

SOURCE: Calvin B. Taylor Bankshares, Inc.

View the original press release on ACCESS Newswire

FAQ

How did Calvin B. Taylor Bankshares (OTCQX: TYCB) perform in Q1 2026?

Calvin B. Taylor Bankshares reported higher Q1 2026 earnings versus both Q1 2025 and Q4 2025. According to the company, net income was $3.8 million, or $1.44 per share, supported by 12.7% year-over-year growth in net interest income and strong loan expansion.

What were loan and deposit growth for TYCB in the first quarter of 2026?

TYCB recorded solid organic balance sheet growth in Q1 2026. According to the company, gross loans rose 7.3% year-over-year to $690.5 million, while total deposits increased 4.1% to $858.6 million, despite typical seasonal deposit outflows in its tourism-driven markets.

How did net interest margin and ROAA trend for TYCB in Q1 2026?

TYCB’s Q1 2026 profitability metrics improved compared with recent periods. According to the company, net interest margin reached 3.98% versus 3.73% a year earlier, and return on average assets was 1.58%, compared with 1.44% in Q4 2025 and 1.62% in Q1 2025.

What stock buybacks and dividends did TYCB report for Q1 2026?

TYCB continued returning capital to shareholders in Q1 2026 through repurchases and dividends. According to the company, it repurchased 25,892 shares for about $1.35 million and paid a quarterly dividend of $0.38 per share, up 5.6% from $0.36 in Q1 2025.

Why did noninterest income decline for Calvin B. Taylor Bankshares in Q1 2026?

Noninterest income dropped sharply in Q1 2026 versus prior periods. According to the company, the decline reflects the absence of a $1.9 million 2025 land sale gain and a realized $761,000 loss on investment securities from a swap-loss trade into higher-yielding assets.

What is Calvin B. Taylor Bankshares’ capital and liquidity position as of March 31, 2026?

TYCB reports a strong capital and liquidity profile at March 31, 2026. According to the company, stockholders’ equity was $129.0 million, or 12.97% of assets, while cash and unencumbered debt securities equaled 27.58% of total deposits, supporting funding stability and growth.