Welcome. My name is Jeff Dick. I'm the Chairman and CEO of MainStreet Bancshares, Inc. and MainStreet Bank. Thank you for joining our 2025 earnings webcast, which has been prerecorded due to inclement weather. If you have questions for us, please reach out to me or my Chief of Staff, Billy Freesmeier, at (703) 481-4579 to schedule a meeting. We will also be attending the February 4 and 5 Janney Conference in Scottsdale, Arizona, and would be happy to answer any questions at that time. With me today is our Chief Financial Officer, Alex Vari; and our Chief Lending Officer, Tom Floyd. I'd like to take a moment to point to our safe harbor page that describes the context of forward-looking statements that we may make today. Please also know that we may use certain non-GAAP measures, which are identified as such within the presentation materials. We are fortunate to do business in an excellent market. The D.C. metropolitan area is much more than host to just the federal government. With our major universities, tourism, cutting-edge technologies, data centers, world-class medical facilities and Fortune 500 companies, it's a great place for a community bank to call home. By the numbers, the median household income is at $125,000. The average home listing price is $810,000 and the average time on market is 38 days. The D.C. market remains vibrant, and we continue to see plenty of good opportunities. The federal government is and has historically been a significant strength. And on the rare occasion it isn't, we're on it and respond quickly to address any impact it may have on our business strategy. We've done a good job of strategically managing growth, always attempting to maximize our core profitability over a growth for growth's sake strategy. We are a Virginia-chartered bank,…

Thank you, Jeff. On Slide 8, we summarize our financial performance over the last 4 quarters as well as for the year 2025. 2025 was a year that saw us shift our focus back to core banking, and we worked hard to position ourselves to springboard our performance in 2026. We closed the year with earnings per common share at $1.76. Our return on average assets was 0.73%. Our return on average tangible common equity was 7.24%, and our net interest margin was 3.46%. Despite working through a small handful of problem credits, we still grew net interest income by 11% over the year. Our net interest margin remains healthy, and we are poised to see even more funding cost relief throughout 2026. We have focused diligently on becoming more efficient and have positioned ourselves to demonstrate that throughout 2026. Lastly, we saw meaningful loan and deposit growth during the fourth quarter, and we expect that momentum to continue into the new year. Page 9 highlights our intentional management of our loan-to-deposit ratio to maximize our net interest income. Our liquidity position remains strong with ample funding sources, particularly in our secured credit availability. As of the end of the year, we have expanded our liquidity facilities, covering over 30% of our entire deposit portfolio. Moving to Slide 10, you will see our core net interest margin has remained steady over the last 9 months, confirming the fundamental health of our balance sheet. In working through a couple of challenged credits, the bank recorded nonrecurring interest reversals of $600,000, specific to 2 relationships that were moved to nonaccrual this quarter. You can refer to our presentation of non-GAAP ratios at the back of the slide deck for additional details. With the noise of 2025 behind us, the core portfolio remains…

Thank you, Alex. As we recap the fourth quarter and 2025, I'm incredibly proud of our team's unwavering commitment to being a consistent and reliable financial partner. That dedication is reflected in our fourth quarter results where we saw healthy growth across the loan portfolio, specifically in desirable categories. Perhaps most notably, we maintained our credit discipline, finishing the year with annual net charge-offs at virtually 0. Over the next few minutes, I'm excited to delve into the details of our portfolio composition and trends that drove these results. Slide 14 highlights our portfolio diversification. The headline here is that we delivered net portfolio growth while simultaneously reducing our CRE concentration. Pulling back in commercial real estate was intentionally done to manage risk and a result of being more selective on which opportunities to pursue, allowing us to focus our energy on the strategic growth of owner-occupied commercial real estate, where we see stronger full relationship opportunities. As of the end of 2025, our portfolio composition consists of 30% nonowner-occupied commercial real estate, 24% owner-occupied commercial real estate, 16% construction, 12% multifamily, 12% residential real estate and 6% commercial and industrial. Additionally, it's worth noting that nearly all of our construction portfolio has a suitable interest reserve held at the bank. Slide 15 is a lens into our government contracting portfolio. We've experienced good results in this portfolio and see opportunity for expansion here based on our view of the market share and our position in the market. Before I dive into the slide, I want to assure you that we're in constant contact with our borrowers in this highly dynamic space to ensure we are appropriately supporting our clients and effectively managing risk. Our portfolio has 27 asset-based lines of credit in place where all advances are supported by…

Thank you, Tom. That was very positive. While the snow kept us remote today, we want to make sure that all of your questions are addressed. Again, please feel free to reach out to me or my Chief of Staff, Billy Freesmeier at (703) 481-4579 to schedule a meeting. Additionally, we look forward to connecting in person at the Janney Conference in Scottsdale on February 4 and 5, where we will be available for further discussion.