Fountain said operating net income increased by $675,000 versus the third quarter, driven by continued net interest margin improvement and strong non-interest income. He added that the company achieved its stated target of a 1% operating return on assets in the second quarter and maintained that level through the remainder of 2025, resulting in a 1% operating ROA for the full fiscal year.Derek also said the company early adopted a new CECL-related accounting standard, which resulted in “no CECL double count ...