$48.44M
Net Interest Income
$4.07M
Net Income
81.7%
Efficiency Ratio
3.38%
Net Int. Margin
2.7%
ROE
| Breakdown | TTM (Sep 30, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
FY 2020 (Dec 31, 2020) |
|---|---|---|---|---|---|---|
| Interest Income | $65.83M | $68.57M | $66.16M | $55.30M | $46.57M | $52.88M |
| Interest Expense | $19.76M | $20.13M | $14.33M | $4.48M | $2.79M | $6.99M |
| Net Interest Income | $46.08M | $48.44M | $51.83M | $50.81M | $43.77M | $45.89M |
| Provision for Credit Losses | $6.34M | $5.03M | $313.00K | $1.83M | - | - |
| Net Interest Income After Provision | $39.74M | $43.42M | $51.52M | $48.99M | $45.01M | $45.83M |
| Non-Interest Income | $6.87M | $5.79M | $4.42M | $5.98M | $5.69M | $5.37M |
| Non-Interest Expense | $44.74M | $44.18M | $43.18M | $41.13M | $40.94M | $38.44M |
| Compensation & Benefits | $21.37M | $23.15M | $22.23M | $21.58M | $22.64M | $21.32M |
| Occupancy Expense | $7.50M | $7.32M | $8.05M | $7.98M | $7.52M | $7.36M |
| Technology & Equipment | $3.94M | $3.96M | $3.73M | $3.57M | $3.08M | $3.19M |
| Marketing Expense | $672.00K | $496.00K | $762.00K | $690.00K | $742.00K | $564.00K |
| Professional Fees | $2.76M | $1.54M | $1.33M | $1.29M | $1.34M | $1.36M |
| Other Non-Interest Expense | $6.73M | $5.97M | $4.95M | $4.16M | $3.11M | $2.86M |
| Income Before Tax | $1.86M | $5.02M | $12.75M | $13.84M | $9.76M | $12.76M |
| Income Tax Expense | $-452.00K | $948.00K | $3.36M | $3.34M | $2.35M | $3.60M |
| Net Income | $2.32M | $4.07M | $9.39M | $10.49M | $7.41M | $9.16M |
| Basic EPS | 0.19 | 0.33 | 0.74 | 0.80 | 0.53 | nan |
| Breakdown | FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
FY 2020 (Dec 31, 2020) |
|---|---|---|---|---|---|
| Cash & Due from Banks | $20.65M | $19.78M | $12.05M | $9.10M | $14.12M |
| Interest-Bearing Deposits | $64.18M | $158.70M | $54.73M | $493.07M | $489.38M |
| Total Investment Securities | $360.53M | $182.72M | $210.34M | $85.69M | $23.83M |
| Allowance for Loan Losses | $7.57M | $8.35M | $8.13M | $6.71M | - |
| Loans & Leases (Net) | - | - | $1.23B | $1.04B | $1.00B |
| Premises & Equipment | $22.89M | $22.95M | $24.96M | $25.04M | $24.68M |
| Other Assets | $7.48M | $11.16M | $7.04M | $8.82M | $8.92M |
| Total Assets | $1.43B | $1.49B | $1.58B | $1.70B | $1.60B |
| Total Deposits | $1.22B | $1.26B | $1.37B | $1.49B | $1.39B |
| Total Liabilities | $1.28B | $1.33B | $1.42B | $1.54B | $1.42B |
| Common Stock | $125.00K | $125.00K | $127.00K | $132.00K | $148.00K |
| Retained Earnings | $73.51M | $74.43M | $71.81M | $66.55M | $64.75M |
| AOCI | $-562.00K | $-2.62M | $-6.11M | $80.00K | $213.00K |
| Total Stockholders Equity | $156.38M | $155.38M | $151.67M | $157.47M | $172.93M |
| Total Liabilities & Equity | $1.43B | $1.49B | $1.58B | $1.70B | $1.60B |
| Breakdown | TTM (Sep 30, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
FY 2020 (Dec 31, 2020) |
|---|---|---|---|---|---|---|
| Net Income | $2.32M | $4.07M | $9.39M | $10.49M | $7.41M | $9.16M |
| Provision for Credit Losses | $6.34M | $5.03M | $313.00K | $1.83M | - | - |
| Depreciation & Amortization | - | $163.00K | $1.54M | $1.26M | $2.07M | $1.79M |
| Operating Cash Flow | $4.59M | $7.56M | $9.22M | $9.29M | $7.77M | $13.52M |
| Sales of Securities | - | - | $42.63M | - | - | - |
| Maturities of Securities | $1.35B | $327.18M | $33.74M | $2.89M | $20.23M | $77.76M |
| Investing Cash Flow | $-4.95M | $-46.14M | $197.92M | $-316.77M | $-101.13M | $199.07M |
| Net Change in Deposits | $56.18M | $-44.08M | $-113.31M | $-113.50M | $94.89M | $108.79M |
| Common Stock Repurchased | - | $156.00K | $2.39M | $4.87M | $17.12M | $4.61M |
| Dividends Paid | $8.72M | $4.99M | $5.06M | $5.23M | $5.62M | $5.98M |
| Financing Cash Flow | $31.81M | $-55.08M | $-95.43M | $-127.91M | $92.03M | $100.58M |
| Net Change in Cash | $31.45M | $-93.66M | $111.71M | $-435.39M | $-1.33M | $313.17M |
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 | $1.00M | $915.00K | $2.86M | $2.56M |
| Interest Expense | $5.07M | $5.22M | $14.64M | $14.97M |
| Income Before Tax | $2.83M | $2.57M | $4.47M | $7.62M |
| Income Tax Expense | $471.00K | $581.00K | $386.00K | $1.79M |
| Net Income | $2.36M | $1.99M | $4.08M | $5.84M |
| Basic EPS | 0.19 | 0.16 | 0.33 | 0.47 |
| Basic Shares Outstanding | $12.46M | $12.46M | $12.46M | $12.46M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $82.74M | $84.83M |
| Short-term Investments | $11.84M | $34.16M |
| Property Plant & Equipment | $22.13M | $22.89M |
| Total Assets | $1.45B | $1.43B |
| Total Liabilities | $1.30B | $1.28B |
| Common Stock | $125.00K | $125.00K |
| Retained Earnings | $73.86M | $73.51M |
| Total Stockholders Equity | $157.35M | $156.38M |
| Total Liabilities & Equity | $1.45B | $1.43B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $2.36M | $1.99M | $4.08M | $5.84M |
| Operating Cash Flow | - | - | $-830.00K | $3.30M |
| Purchases of Investments | - | - | $798.84M | $274.01M |
| Sales of Investments | - | - | $633.40M | $169.46M |
| Investing Cash Flow | - | - | $-16.93M | $6.23M |
| Stock Repurchased | - | - | - | $156.00K |
| Dividends Paid | - | - | $3.74M | $3.74M |
| Financing Cash Flow | - | - | $15.67M | $-72.80M |
| Net Change in Cash | - | - | $-2.09M | $-63.27M |
All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-K filings.
Annual data represents full fiscal year results. FY = Fiscal Year ending.