Primis Financial is the holding company for Primis Bank, a community bank headquartered in McLean, Virginia with $4B in total assets. Primis operates 24 branches in Virginia and Maryland, primarily in the Greater Washington, D.C. market, and serves commercial and retail customers through its branch network and a proprietary digital banking platform. The core community banking franchise focuses on C&I loans, owner-occupied commercial real estate, and small business lending, deliberately avoiding investor CRE. Primis supplements this with three specialty businesses: Panacea Financial, a nationally-focused lending brand targeting doctors, dentists, and veterinarians through practice acquisition loans, student loan refinancing, and personal loans; a mortgage warehouse lending division that provides short-term credit lines to independent mortgage companies; and Primis Mortgage Company, a retail residential mortgage originator that sells loans in the secondary market for gain-on-sale fees. Primis earns primarily through net interest income, with NIM expanding from ~2.90% in Q4 2024 to ~3.28% in Q4 2025, targeting ~3.50% over the medium term. Management's key priorities include scaling warehouse lending balances, growing noninterest-bearing deposits (currently ~16% of total deposits, targeting 20%), and pursuing loan sale agreements for Panacea production to grow off-balance sheet. Primis funds its specialty divisions through a national digital deposit platform, keeping core deposit costs low while allowing the specialty businesses to grow nationally.