NOTE 23 - SUBSEQUENT EVENTS

On July 1, 2026, the Company redeemed $40.0 million in aggregate principal amount of its outstanding 4.00% Fixed-to-Floating Rate Subordinated Notes due 2031, originally issued on March 26, 2021 (the "Notes"). On April 1, 2026, the Notes became redeemable at par and the fixed interest rate of 4.00% on the Notes reset to a floating rate equal to three-month SOFR plus a spread of 329 basis points, which equaled 6.98% on that date. The Notes were redeemed at a cash redemption price equal to 100% of the principal amount of the Notes being redeemed, plus accrued and unpaid interest thereon through June 30, 2026, or approximately $40.7 million in aggregate. Upon completion of this $40.0 million redemption, $80.0 million aggregate principal amount of the Notes remain outstanding and the interest rate reset on July 1, 2026 to 7.02%. 

On July 20, 2026, we announced the Board of Directors had declared a common stock cash dividend of $0.16 per share, payable on August 11, 2026 to common shareholders of record as of July 31, 2026.