$5.80M
Net Interest Income
$5.59M
Net Income
-
Efficiency Ratio
8.61%
Net Int. Margin
13.0%
ROE
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
Q4 2024 (Dec 31, 2024) |
Q3 2024 (Sep 30, 2024) |
Q2 2024 (Jun 30, 2024) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $1.67M | $1.77M | $1.90M | $1.83M | $1.92M | $1.95M | $2.03M | $2.14M | $2.09M | $1.99M | $1.94M | $1.95M | $1.84M | $1.68M |
| Interest Expense | $296.09K | - | - | - | $431.39K | - | - | - | - | - | - | - | - | - |
| Total Revenue | $2.00M | $2.04M | $2.36M | $2.27M | $2.36M | $2.31M | $2.44M | $2.57M | $2.57M | $2.43M | $2.40M | $2.40M | $2.23M | $2.11M |
| Revenue Growth % (YoY) | -15.2% | -12.0% | -3.6% | -11.6% | -8.0% | -4.9% | 1.8% | 7.3% | 14.9% | 15.5% | nan% | nan% | nan% | nan% |
| Income Before Tax | $1.12M | $1.20M | $1.41M | - | $1.31M | $1.40M | $1.41M | - | $1.35M | $1.45M | $1.42M | - | $1.19M | $1.24M |
| Income Tax Expense | - | - | $1.21K | - | - | - | $650.00 | - | - | - | $650.00 | - | - | - |
| Net Income | $1.12M | $1.20M | $1.41M | $1.37M | $1.31M | $1.40M | $1.41M | $1.48M | $1.35M | $1.45M | $1.42M | $1.26M | $1.19M | $1.24M |
| Net Margin % | 56.1% | 59.1% | 60.0% | 60.4% | 55.4% | 60.5% | 57.7% | 57.4% | 52.6% | 59.4% | 59.3% | 52.5% | 53.5% | 58.7% |
| Basic EPS | nan | 0.11 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.13 | 0.12 | 0.13 | 0.12 | 0.11 | 0.10 | 0.11 |
| Diluted EPS | nan | 0.11 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.13 | 0.12 | 0.13 | 0.12 | 0.11 | 0.10 | 0.11 |
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
Q4 2024 (Dec 31, 2024) |
Q3 2024 (Sep 30, 2024) |
Q2 2024 (Jun 30, 2024) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Other Assets | $60.74K | $128.43K | $153.11K | $119.64K | $62.08K | $99.18K | $134.32K | $97.73K | $63.64K | $100.03K | $134.82K | $98.95K | $59.57K | $94.20K |
| Total Assets | $62.35M | $59.99M | $67.59M | $65.79M | $67.93M | $70.70M | $68.79M | $74.83M | $76.43M | $72.62M | $71.74M | $73.67M | $76.28M | $74.77M |
| Short-term Borrowings | $6.25M | - | - | - | $7.22M | - | - | - | - | - | - | - | - | - |
| Accounts Payable & Accrued | $173.25K | $171.56K | $198.62K | $194.80K | $232.24K | $211.79K | $242.25K | $263.69K | $295.29K | $236.19K | $231.74K | $261.82K | $289.87K | $202.06K |
| Total Liabilities | $19.25M | $16.67M | $24.17M | $22.46M | $24.66M | $27.43M | $25.61M | $31.74M | $33.50M | $29.67M | $28.93M | $30.84M | $33.42M | $31.66M |
| Common Stock | $11.76K | $11.76K | $11.76K | $11.76K | $11.76K | $11.76K | $11.76K | $11.76K | $11.76K | $11.76K | $11.76K | $11.76K | $11.76K | $11.76K |
| Retained Earnings | $-1.39M | $-1.20M | $-1.08M | $-1.18M | $-1.24M | $-1.23M | $-1.31M | $-1.41M | $-1.57M | $-1.63M | $-1.79M | $-1.92M | $-1.89M | $-1.64M |
| Treasury Stock | $1.10M | $1.07M | $1.07M | $1.07M | $1.07M | $1.07M | $1.07M | $1.07M | $1.06M | $984.63K | $963.75K | $798.94K | $798.94K | $798.94K |
| Total Stockholders Equity | $43.10M | $43.32M | $43.43M | $43.33M | $43.27M | $43.27M | $43.18M | $43.09M | $42.93M | $42.94M | $42.80M | $42.83M | $42.86M | $43.10M |
| Total Liabilities & Equity | $62.35M | $59.99M | $67.59M | $65.79M | $67.93M | $70.70M | $68.79M | $74.83M | $76.43M | $72.62M | $71.74M | $73.67M | $76.28M | $74.77M |
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
Q4 2024 (Dec 31, 2024) |
Q3 2024 (Sep 30, 2024) |
Q2 2024 (Jun 30, 2024) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $1.12M | $1.20M | $1.41M | $1.37M | $1.31M | $4.28M | $1.41M | $1.48M | $1.35M | $1.45M | $1.42M | $1.26M | $1.19M | $4.02M |
| Stock-based Compensation | $3.27K | $3.27K | $6.53K | $3.27K | $3.27K | $3.27K | $6.53K | $3.27K | $3.27K | $3.27K | $6.53K | $3.27K | $3.27K | $9.80K |
| Operating Cash Flow | $1.12M | $3.81M | $2.41M | $1.18M | $926.94K | $4.00M | $2.65M | $1.25M | $1.47M | $4.14M | $2.72M | $1.31M | $1.15M | $4.02M |
| Capital Expenditures | - | $418.00 | $418.00 | - | - | $4.02K | $1.19K | - | - | $5.08K | $5.08K | $5.08K | $978.00 | $1.89K |
| Investing Cash Flow | $-2.20M | $7.52M | $136.36K | $1.76M | $3.16M | $4.38M | $6.19M | $452.25K | $-2.27M | $3.70M | $4.68M | $2.55M | $-1.78M | $-6.99M |
| Dividends Paid | $1.32M | $3.95M | $2.63M | $1.32M | $1.32M | $3.92M | $2.60M | $1.29M | $1.29M | $4.02M | $2.73M | $1.44M | $1.44M | $4.31M |
| Financing Cash Flow | $1.11M | $-11.32M | $-2.54M | $-2.92M | $-4.06M | $-9.91M | $-10.42M | $-3.00M | $2.35M | $-7.80M | $-7.26M | $-3.89M | $195.76K | $3.37M |
| Net Change in Cash | $27.96K | $-1.48K | $7.88K | $21.37K | $33.90K | $-1.52M | $-1.59M | $-1.29M | $1.56M | $29.61K | $145.33K | $-28.35K | $-439.44K | $400.43K |
SEC Filing Format - Data shown as it appears in the Q3 2025 (10-Q) filing
Period ended: Sep 30, 2025
Condensed Consolidated Statements of Operations
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Total Revenue | $2.04M | $2.31M | $6.66M | $7.33M |
| Operating Income | $1.20M | $1.39M | $3.98M | $4.27M |
| Interest Expense | - | - | $1.35M | $1.82M |
| Income Before Tax | $1.20M | $1.40M | $3.99M | $4.29M |
| Income Tax Expense | - | - | $1.21K | $650.00 |
| Net Income | $1.20M | $1.40M | $3.99M | $4.28M |
| Basic EPS | 0.11 | 0.12 | 0.35 | 0.37 |
| Diluted EPS | 0.11 | 0.12 | 0.35 | 0.37 |
| Basic Shares Outstanding | $11.44M | $11.44M | $11.44M | $11.44M |
| Diluted Shares Outstanding | $11.44M | $11.44M | $11.44M | $11.44M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $186.44K | $178.01K |
| Total Assets | $59.99M | $67.36M |
| Total Liabilities | $16.67M | $24.10M |
| Common Stock | $11.76K | $11.76K |
| Retained Earnings | $-1.20M | $-1.24M |
| Treasury Stock | $1.07M | $1.07M |
| Total Stockholders Equity | $43.32M | $43.27M |
| Total Liabilities & Equity | $59.99M | $67.36M |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $1.20M | $1.40M | $3.99M | $4.28M |
| Stock-based Compensation | $3.27K | $3.27K | $9.80K | $9.80K |
| Operating Cash Flow | - | - | $3.81M | $3.66M |
| Capital Expenditure | - | - | $418.00 | $4.02K |
| Investing Cash Flow | - | - | $7.52M | $4.73M |
| Dividends Paid | - | - | $3.95M | $3.92M |
| Financing Cash Flow | - | - | $-11.32M | $-9.91M |
| Net Change in Cash | - | - | $-1.48K | $-1.52M |
All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.