$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) |
|---|---|---|---|---|---|---|---|
| Interest Income | $38.24M | $36.13M | $33.54M | $31.51M | $30.78M | $29.13M | $27.39M |
| Interest Expense | $4.96M | $4.79M | $4.28M | $3.90M | $3.90M | $3.27M | $3.06M |
| Net Interest Income | $33.28M | $31.34M | $29.25M | $27.61M | $26.89M | $25.86M | $24.32M |
| 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 |
| Non-Interest Income | $6.12M | $6.23M | $6.58M | $6.15M | $6.17M | $6.06M | $6.28M |
| Trading Revenue | $-181.00K | $433.00K | $827.00K | $359.00K | $367.00K | $235.00K | $333.00K |
| Other Non-Interest Income | $5.13M | $5.07M | $5.11M | $4.91M | $5.09M | $5.17M | $5.32M |
| Non-Interest Expense | $19.06M | $18.36M | $17.06M | $16.75M | $15.69M | $15.36M | $15.23M |
| Compensation & Benefits | $11.18M | $10.85M | $10.22M | $10.06M | $9.63M | $9.53M | $9.53M |
| Occupancy Expense | $1.45M | $1.15M | $1.17M | $1.13M | $1.03M | $977.00K | $1.16M |
| Technology & Equipment | $2.21M | $2.27M | $2.06M | $1.92M | $1.74M | $1.69M | $1.72M |
| Marketing Expense | $978.00K | $974.00K | $811.00K | $851.00K | $812.00K | $949.00K | $881.00K |
| Professional Fees | $1.47M | $1.47M | $1.29M | $1.26M | $1.06M | $955.00K | $857.00K |
| Other Non-Interest Expense | $949.00K | $866.00K | $920.00K | $940.00K | $912.00K | $762.00K | $678.00K |
| Income Before Tax | $17.43M | $17.46M | $15.24M | $15.51M | $15.67M | $15.56M | $14.37M |
| Income Tax Expense | $3.97M | $3.40M | $3.35M | $4.11M | $3.92M | $4.20M | $3.88M |
| Net Income | $13.47M | $14.06M | $11.89M | $11.41M | $11.75M | $11.36M | $10.49M |
| Basic EPS | nan | 1.74 | 1.48 | 1.43 | 1.49 | 1.45 | 1.34 |
| Diluted EPS | nan | 1.62 | 1.38 | 1.33 | 1.36 | 1.34 | 1.25 |
| 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) |
|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $235.89M | $240.76M | $162.97M | $173.04M | $126.33M | $147.66M | $152.73M |
| Investment Securities - AFS | $246.50M | $265.13M | $257.38M | $236.92M | $241.75M | $211.46M | $176.81M |
| Premises & Equipment | $4.38M | $4.41M | $4.23M | $3.33M | $2.44M | $2.61M | $2.81M |
| Other Assets | $57.36M | $71.00M | $81.47M | $64.19M | $51.00M | $59.21M | $55.55M |
| Total Assets | $2.37B | $2.18B | $2.06B | $1.95B | $1.89B | $1.78B | $1.72B |
| Total Deposits | $2.06B | $1.88B | $1.78B | $1.69B | $1.64B | $1.54B | $1.49B |
| Total Liabilities | $2.08B | $1.91B | $1.80B | $1.70B | $1.66B | $1.55B | $1.50B |
| Common Stock | $87.00K | $87.00K | $86.00K | $85.00K | $85.00K | $84.00K | $84.00K |
| Retained Earnings | $197.79M | $185.82M | $173.27M | $162.86M | $152.93M | $142.43M | $132.32M |
| AOCI | $-8.49M | $-9.50M | $-10.92M | $-11.68M | $-14.29M | $-10.32M | $-14.24M |
| Total Stockholders Equity | $289.60M | $279.23M | $263.56M | $250.72M | $237.09M | $232.57M | $217.41M |
| Total Liabilities & Equity | $2.37B | $2.18B | $2.06B | $1.95B | $1.89B | $1.78B | $1.72B |
| 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) |
|---|---|---|---|---|---|---|---|
| Net Income | $13.47M | $14.06M | $11.89M | $11.41M | $11.75M | $31.91M | $20.55M |
| 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 |
| Purchases of Securities | $9.13M | $38.47M | $31.07M | - | $55.16M | $102.70M | $65.18M |
| Maturities of Securities | $19.55M | $30.71M | $20.09M | $8.54M | $19.27M | $17.18M | $8.97M |
| Capital Expenditures | $340.00K | $2.82M | $2.32M | $1.15M | $84.00K | $630.00K | $577.00K |
| Investing Cash Flow | $-199.62M | $-162.47M | $-127.42M | $-13.59M | $-134.56M | $-173.70M | $-109.58M |
| Net Change in Deposits | $183.57M | $237.20M | $140.09M | $45.88M | $105.84M | $129.10M | $79.59M |
| Dividends Paid | $1.64M | $4.22M | $2.80M | $1.40M | $1.32M | $3.53M | $2.35M |
| Financing Cash Flow | $177.96M | $233.85M | $137.77M | $44.49M | $101.54M | $125.63M | $77.11M |
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.