$83.77M
Net Interest Income
$41.01M
Net Income
46.8%
Efficiency Ratio
4.43%
Net Int. Margin
26.0%
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) |
Q1 2023 (Jun 30, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $38.24M | $36.13M | $33.54M | $31.51M | $30.78M | $29.13M | $27.39M | $26.07M | $25.57M | $23.90M | $20.36M | $19.05M | $15.96M |
| Interest Expense | $4.96M | $4.79M | $4.28M | $3.90M | $3.90M | $3.27M | $3.06M | $3.21M | $2.90M | $2.18M | $1.08M | $713.00K | $413.00K |
| Net Interest Income | $33.28M | $31.34M | $29.25M | $27.61M | $26.89M | $25.86M | $24.32M | $22.86M | $22.67M | $21.73M | $19.29M | $18.34M | $15.55M |
| Provision for Credit Losses | $2.90M | $1.75M | $3.52M | $1.50M | $1.70M | - | - | - | - | - | - | - | - |
| Net Interest Income After Provision | $30.38M | $29.59M | $25.73M | $26.11M | $25.19M | $24.86M | $23.32M | $21.86M | $21.17M | $20.52M | $18.79M | $16.99M | $14.90M |
| Non-Interest Income | $6.12M | $6.23M | $6.58M | $6.15M | $6.17M | $6.06M | $6.28M | $6.39M | $6.27M | $6.53M | $10.26M | $6.78M | $6.43M |
| Trading Revenue | $-181.00K | $433.00K | $827.00K | $359.00K | $367.00K | $235.00K | $333.00K | $347.00K | $268.00K | $302.00K | - | $15.00K | - |
| Other Non-Interest Income | $5.13M | $5.07M | $5.11M | $4.91M | $5.09M | $5.17M | $5.32M | $5.30M | $5.42M | $5.62M | - | $5.66M | - |
| Non-Interest Expense | $19.06M | $18.36M | $17.06M | $16.75M | $15.69M | $15.36M | $15.23M | $14.57M | $13.90M | $13.76M | $12.48M | $11.37M | $10.84M |
| Compensation & Benefits | $11.18M | $10.85M | $10.22M | $10.06M | $9.63M | $9.53M | $9.53M | $9.16M | $8.76M | $8.43M | $7.48M | $6.82M | $6.52M |
| Occupancy Expense | $1.45M | $1.15M | $1.17M | $1.13M | $1.03M | $977.00K | $1.16M | $927.00K | $863.00K | $836.00K | $829.00K | $976.00K | $760.00K |
| Technology & Equipment | $2.21M | $2.27M | $2.06M | $1.92M | $1.74M | $1.69M | $1.72M | $1.51M | $1.41M | $1.38M | $1.13M | $1.05M | $1.11M |
| Marketing Expense | $978.00K | $974.00K | $811.00K | $851.00K | $812.00K | $949.00K | $881.00K | $872.00K | $607.00K | $467.00K | $429.00K | $353.00K | $480.00K |
| Professional Fees | $1.47M | $1.47M | $1.29M | $1.26M | $1.06M | $955.00K | $857.00K | $951.00K | $964.00K | $1.32M | $1.54M | $1.08M | $840.00K |
| Other Non-Interest Expense | $949.00K | $866.00K | $920.00K | $940.00K | $912.00K | $762.00K | $678.00K | $646.00K | $755.00K | $808.00K | $771.00K | $767.00K | $811.00K |
| Income Before Tax | $17.43M | $17.46M | $15.24M | $15.51M | $15.67M | $15.56M | $14.37M | $13.68M | $13.54M | $13.29M | $16.57M | $12.40M | $10.49M |
| Income Tax Expense | $3.97M | $3.40M | $3.35M | $4.11M | $3.92M | $4.20M | $3.88M | $3.63M | $3.65M | $3.46M | $4.39M | $3.29M | $2.78M |
| Net Income | $13.47M | $14.06M | $11.89M | $11.41M | $11.75M | $11.36M | $10.49M | $10.06M | $9.88M | $9.84M | $12.18M | $9.11M | $7.71M |
| Basic EPS | nan | 1.74 | 1.48 | 1.43 | 1.49 | 1.45 | 1.34 | 1.29 | 1.27 | 1.27 | 1.58 | 1.19 | 1.01 |
| Diluted EPS | nan | 1.62 | 1.38 | 1.33 | 1.36 | 1.34 | 1.25 | 1.20 | 1.17 | 1.17 | 1.47 | 1.10 | 0.94 |
| 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) |
Q1 2023 (Jun 30, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $235.89M | $240.76M | $162.97M | $173.04M | $126.33M | $147.66M | $152.73M | $158.24M | $165.21M | $120.65M | $203.80M | $164.12M | $182.12M |
| Investment Securities - AFS | $246.50M | $265.13M | $257.38M | $236.92M | $241.75M | $211.46M | $176.81M | $142.16M | $122.11M | $114.37M | $107.94M | $109.27M | $111.38M |
| Loans & Leases (Net) | - | - | - | - | - | - | - | - | - | $1.10B | $952.68M | $935.07M | $864.23M |
| Premises & Equipment | $4.38M | $4.41M | $4.23M | $3.33M | $2.44M | $2.61M | $2.81M | $2.66M | $2.60M | $2.50M | $2.59M | $2.70M | $2.85M |
| Other Assets | $57.36M | $71.00M | $81.47M | $64.19M | $51.00M | $59.21M | $55.55M | $53.02M | $35.49M | $57.27M | $48.33M | $38.38M | $48.60M |
| Total Assets | $2.37B | $2.18B | $2.06B | $1.95B | $1.89B | $1.78B | $1.72B | $1.65B | $1.62B | $1.48B | $1.45B | $1.40B | $1.35B |
| Total Deposits | $2.06B | $1.88B | $1.78B | $1.69B | $1.64B | $1.54B | $1.49B | $1.43B | $1.41B | $1.28B | $1.26B | $1.23B | $1.19B |
| Total Liabilities | $2.08B | $1.91B | $1.80B | $1.70B | $1.66B | $1.55B | $1.50B | $1.45B | $1.42B | $1.30B | $1.28B | $1.24B | $1.20B |
| Common Stock | $87.00K | $87.00K | $86.00K | $85.00K | $85.00K | $84.00K | $84.00K | $84.00K | $84.00K | $83.00K | $82.00K | $82.00K | $81.00K |
| Retained Earnings | $197.79M | $185.82M | $173.27M | $162.86M | $152.93M | $142.43M | $132.32M | $123.08M | $114.26M | $105.41M | $88.50M | $77.71M | $69.41M |
| AOCI | $-8.49M | $-9.50M | $-10.92M | $-11.68M | $-14.29M | $-10.32M | $-14.24M | $-14.37M | $-13.23M | $-17.40M | $-13.73M | $-15.12M | $-15.94M |
| Total Stockholders Equity | $289.60M | $279.23M | $263.56M | $250.72M | $237.09M | $232.57M | $217.41M | $207.08M | $198.56M | $185.61M | $170.75M | $157.59M | $148.54M |
| Total Liabilities & Equity | $2.37B | $2.18B | $2.06B | $1.95B | $1.89B | $1.78B | $1.72B | $1.65B | $1.62B | $1.48B | $1.45B | $1.40B | $1.35B |
| 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) |
Q1 2023 (Jun 30, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $13.47M | $14.06M | $11.89M | $11.41M | $11.75M | $31.91M | $20.55M | $10.06M | $9.88M | $31.13M | $12.18M | $9.11M | $7.71M |
| Provision for Credit Losses | $2.90M | $1.75M | $5.03M | $1.50M | $1.70M | - | - | - | - | - | - | - | - |
| Operating Cash Flow | $16.79M | $43.05M | $26.30M | $15.81M | $11.69M | $30.53M | $20.00M | $12.78M | $16.52M | $25.88M | $14.67M | $8.44M | $30.36M |
| Purchases of Securities | $9.13M | $38.47M | $31.07M | - | $55.16M | $102.70M | $65.18M | $24.97M | $4.94M | $17.88M | $5.98M | - | $1.74M |
| Maturities of Securities | $19.55M | $30.71M | $20.09M | $8.54M | $19.27M | $17.18M | $8.97M | $3.29M | $2.88M | $9.37M | $3.15M | $3.16M | $17.60M |
| Capital Expenditures | $340.00K | $2.82M | $2.32M | $1.15M | $84.00K | $630.00K | $577.00K | $235.00K | $277.00K | $328.00K | $62.00K | $22.00K | $51.00K |
| Investing Cash Flow | $-199.62M | $-162.47M | $-127.42M | $-13.59M | $-134.56M | $-173.70M | $-109.58M | $-45.18M | $-94.62M | $-120.79M | $-9.98M | $-66.40M | $-155.10M |
| Net Change in Deposits | $183.57M | $237.20M | $140.09M | $45.88M | $105.84M | $129.10M | $79.59M | $26.75M | $124.71M | $54.36M | $36.14M | $40.78M | $159.05M |
| Common Stock Repurchased | - | - | - | - | - | - | - | - | - | $286.00K | $268.00K | - | - |
| Dividends Paid | $1.64M | $4.22M | $2.80M | $1.40M | $1.32M | $3.53M | $2.35M | $1.18M | $1.13M | $2.59M | $776.00K | $694.00K | $1.46M |
| Financing Cash Flow | $177.96M | $233.85M | $137.77M | $44.49M | $101.54M | $125.63M | $77.11M | $25.44M | $122.66M | $51.43M | $34.99M | $39.96M | $157.71M |
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 | |
| Interest Expense | $4.79M | $3.27M | $12.98M | $9.55M |
| Income Before Tax | $17.46M | $15.56M | $48.22M | $43.61M |
| Income Tax Expense | $3.40M | $4.20M | $10.86M | $11.71M |
| Net Income | $14.06M | $11.36M | $37.35M | $31.91M |
| Basic EPS | 1.74 | 1.45 | 4.65 | 4.09 |
| Diluted EPS | 1.62 | 1.34 | 4.32 | 3.78 |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $240.76M | $126.33M |
| Property Plant & Equipment | $4.41M | $2.44M |
| Total Assets | $2.18B | $1.89B |
| Total Liabilities | $1.91B | $1.66B |
| Common Stock | $87.00K | $85.00K |
| Retained Earnings | $185.82M | $152.93M |
| Total Stockholders Equity | $279.23M | $237.09M |
| Total Liabilities & Equity | $2.18B | $1.89B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $14.06M | $11.36M | $37.35M | $31.91M |
| Operating Cash Flow | - | - | $43.05M | $30.53M |
| Capital Expenditure | - | - | $2.82M | $630.00K |
| Sales of Investments | - | - | $30.71M | $17.18M |
| Investing Cash Flow | - | - | $-162.47M | $-173.70M |
| Dividends Paid | - | - | $4.22M | $3.53M |
| Financing Cash Flow | - | - | $233.85M | $125.63M |
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.