$20.84M
Net Interest Income
$4.28M
Net Income
74.9%
Efficiency Ratio
2.47%
Net Int. Margin
8.2%
ROE
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|---|
| Interest Income | $42.35M | $42.35M | $38.36M | $31.32M | $26.27M | $25.68M |
| Interest Expense | $17.96M | $17.96M | $17.53M | $9.91M | $2.15M | $2.81M |
| Net Interest Income | $24.39M | $24.39M | $20.84M | $21.42M | $24.12M | $22.88M |
| Provision for Credit Losses | $698.00K | $698.00K | $150.00K | $-570.00K | $475.00K | - |
| Net Interest Income After Provision | $23.69M | $23.69M | $20.69M | $21.99M | $23.65M | $22.55M |
| Non-Interest Income | $1.98M | $1.98M | $1.75M | $1.59M | $2.29M | $2.17M |
| Other Non-Interest Income | - | - | - | - | $303.30K | $307.51K |
| Non-Interest Expense | $18.30M | $18.30M | $16.93M | $15.14M | $15.37M | $14.13M |
| Compensation & Benefits | $8.72M | $8.72M | $7.85M | $7.54M | $7.87M | $7.21M |
| Occupancy Expense | $1.17M | $1.17M | $1.07M | $874.77K | $890.93K | $948.76K |
| Technology & Equipment | $1.61M | $1.61M | $1.29M | $983.13K | $891.25K | $775.83K |
| Professional Fees | $738.00K | $738.00K | $865.00K | $642.37K | $894.72K | $415.64K |
| Other Non-Interest Expense | $2.12M | $2.12M | $2.02M | $1.95M | $1.86M | $1.97M |
| Income Before Tax | $7.37M | $7.37M | $5.51M | $8.44M | $10.58M | $10.58M |
| Income Tax Expense | $1.61M | $1.61M | $1.23M | $2.02M | $2.49M | $2.43M |
| Net Income | $5.77M | $5.77M | $4.28M | $6.42M | $8.09M | $8.15M |
| Basic EPS | nan | 1.81 | 1.37 | 2.08 | 2.66 | 2.70 |
| Diluted EPS | nan | 1.81 | 1.37 | 2.08 | 2.66 | nan |
| Breakdown | FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|
| Cash & Due from Banks | $46.11M | $63.96M | $44.40M | $6.41M | $25.26M |
| Interest-Bearing Deposits | $566.00K | $697.00K | - | - | - |
| Investment Securities - AFS | $118.73M | $125.71M | $164.08M | $126.31M | $149.24M |
| Investment Securities - HTM | $21.05M | $20.50M | - | $20.51M | $21.85M |
| Loans & Leases (Gross) | $638.34M | $587.96M | - | - | - |
| Allowance for Loan Losses | - | $4.26M | $4.29M | $4.15M | $3.65M |
| Loans & Leases (Net) | $633.14M | $582.99M | - | $516.92M | $482.01M |
| Goodwill & Intangibles | $6.98M | $6.98M | - | - | - |
| Premises & Equipment | $7.14M | $7.35M | $6.58M | $6.19M | $6.26M |
| Other Assets | $7.30M | $8.16M | $5.94M | $5.59M | $5.52M |
| Total Assets | $871.96M | $844.64M | $799.94M | $718.21M | $716.68M |
| Total Deposits | $720.46M | $758.81M | $680.96M | $623.61M | $626.41M |
| Long-term Debt | $12.04M | $11.33M | $13.21M | $15.10M | $16.98M |
| Other Liabilities | $6.51M | $6.67M | $7.34M | $6.20M | $5.95M |
| Total Liabilities | $807.30M | $788.37M | $747.76M | $670.44M | $660.06M |
| Common Stock | $32.00K | $32.00K | $31.17K | $30.71K | $30.37K |
| Retained Earnings | $45.21M | $41.61M | $39.43M | $35.30M | $29.13M |
| AOCI | $-12.73M | $-16.51M | $-17.68M | $-17.11M | $-1.39M |
| Total Stockholders Equity | $64.66M | $56.27M | $52.18M | $47.77M | $56.62M |
| Total Liabilities & Equity | $871.96M | $844.64M | $799.94M | $718.21M | $716.68M |
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|---|
| Net Income | $6.93M | $5.77M | $4.28M | $6.42M | $8.09M | $8.15M |
| Depreciation & Amortization | - | $578.00K | $559.00K | - | - | - |
| Deferred Taxes | - | $-89.00K | $257.00K | $392.17K | $-250.67K | $-160.07K |
| Stock-based Compensation | $493.00K | $172.00K | $18.00K | $42.79K | - | - |
| Operating Cash Flow | $8.54M | $6.05M | $2.29M | $5.90M | $7.16M | $11.70M |
| Purchases of Securities | $1.02M | $1.02M | $3.27M | $49.74M | $19.19M | $129.68M |
| Sales of Securities | - | - | $23.89M | - | - | - |
| Maturities of Securities | $24.21M | $13.26M | $18.07M | $12.91M | $19.99M | $31.33M |
| Acquisitions | - | - | - | - | - | - |
| Investing Cash Flow | $-83.92M | $-41.50M | $-22.71M | $-42.36M | $-35.36M | $-58.98M |
| Long-term Debt Issued | - | - | - | - | - | - |
| Long-term Debt Repaid | - | - | $1.89M | $1.89M | $1.89M | - |
| Dividends Paid | - | $1.33M | $1.38M | $1.24M | $1.23M | $1.16M |
| Financing Cash Flow | $-17.94M | $17.47M | $40.39M | $73.88M | $9.00M | $32.77M |
| Net Change in Cash | $-93.32M | $-17.98M | $19.97M | $37.43M | $-19.20M | $-14.51M |
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 | $4.61M | $4.76M | $13.83M | $11.60M |
| Income Before Tax | $2.17M | $1.47M | $5.13M | $4.41M |
| Income Tax Expense | $462.00K | $342.00K | $1.06M | $993.00K |
| Net Income | $1.71M | $1.12M | $4.07M | $3.42M |
| Basic EPS | 0.53 | 0.36 | 1.28 | 1.09 |
| Diluted EPS | 0.53 | 0.36 | 1.28 | 1.09 |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Property Plant & Equipment | $7.22M | $7.35M |
| Total Assets | $869.63M | $844.64M |
| Long-term Debt | $12.02M | $11.33M |
| Total Liabilities | $806.47M | $788.37M |
| Common Stock | $32.00K | $32.00K |
| Retained Earnings | $44.60M | $41.61M |
| Total Stockholders Equity | $63.16M | $56.27M |
| Total Liabilities & Equity | $869.63M | $844.64M |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $1.71M | $1.12M | $4.07M | $3.42M |
| Stock-based Compensation | - | - | $168.00K | $14.00K |
| Operating Cash Flow | - | - | $4.73M | $2.45M |
| Capital Expenditure | - | - | $305.00K | $1.28M |
| Sales of Investments | - | - | $10.16M | $14.17M |
| Investing Cash Flow | - | - | $-34.62M | $-38.19M |
| Dividends Paid | - | - | $665.00K | $603.00K |
| Financing Cash Flow | - | - | $17.41M | $7.89M |
| Net Change in Cash | - | - | $-12.47M | $-27.85M |
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.