In addition to the information set forth in this report, you should carefully consider the factors discussed under "Part I--Item 1A--Risk Factors" in the Company's 2025 10-K. These factors could materially and adversely affect the Company's business, financial condition, liquidity, results of operations and capital position, and could cause its actual results to differ materially from its historical results or the results contemplated by the forward-looking statements contained in this report. There have been no material changes in the Company's risk factors from those disclosed in the Company's 2025 10-K with the exception of the items listed below. The following risk factor from the September 30, 2025 10-K has been modified, as shown below, given the Company received an upgrade to the overall CRA rating to "Satisfactory" on January 16th, 2026 as a result of our successful appeal. A “Needs to Improve” rating under the Community Reinvestment Act (“CRA”) may impact our reputation, restrict our operations and limit our ability to pursue certain strategic opportunities. On December 27, 2024, the Bank received an overall CRA rating from the FDIC of “Needs to Improve” for the period covering June 3, 2020 to March 26, 2024. Based on its performance on the individual components of the CRA tests, the Bank received a “High Satisfactory” rating on both the Investment Test and the Service Test and a “Needs to Improve” rating on the Lending Test, which resulted in the overall “Needs to Improve” rating. The Bank disagreed with the overall CRA rating and appealed. On January 16, 2026, the Supervision Appeals Review committee ("SARC") of the FDIC issued a decision granting the Bank's appeal and elevated the Bank's rating on the CRA Lending Test from "Needs to Improve" to "Low Satisfactory" and upgraded the Bank's overall CRA rating to "Satisfactory." We anticipate that our next CRA exam will occur sometime in 2027. If the Bank were to receive a “Needs to Improve” rating in future exams, it could result in restrictions on certain expansionary activity, including mergers and acquisitions and the establishment and relocation of bank branches, result in a loss of expedited processing of applications to undertake certain activities have an impact on our relationships with certain states, counties, municipalities or other public agencies to the extent applicable law, regulation or policy limits, restricts or influences whether such entity may do business with a company that has a below “Satisfactory” rating. In addition, a "Needs to Improve" rating could also negatively affect our reputation, business, financial condition and results of operations.