$20.84M
Net Interest Income
$4.28M
Net Income
74.9%
Efficiency Ratio
2.47%
Net Int. Margin
8.2%
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 | $11.22M | $10.96M | $10.29M | $9.89M | $10.27M | $9.85M | $9.18M |
| Interest Expense | $4.67M | $4.61M | $4.30M | $4.39M | $4.83M | $4.76M | $4.05M |
| Net Interest Income | $6.55M | $6.35M | $5.99M | $5.50M | $5.44M | $5.08M | $5.13M |
| Provision for Credit Losses | $103.00K | $327.00K | $238.00K | $30.00K | $150.00K | - | - |
| Net Interest Income After Provision | $6.45M | $6.03M | $5.75M | $5.46M | $5.29M | $5.08M | $5.13M |
| Non-Interest Income | $456.00K | $551.00K | $456.00K | $514.00K | $422.61K | $451.02K | $373.96K |
| Non-Interest Expense | $4.66M | $4.41M | $4.73M | $4.50M | $4.62M | $4.07M | $4.12M |
| Compensation & Benefits | $2.14M | $2.18M | $2.19M | $2.21M | $2.01M | $1.88M | $1.99M |
| Occupancy Expense | $279.00K | $281.00K | $280.00K | $328.00K | $271.40K | $274.58K | $277.69K |
| Technology & Equipment | $426.00K | $370.00K | $480.00K | $335.00K | $395.50K | $327.20K | $327.88K |
| Professional Fees | $173.00K | $174.00K | $218.00K | $173.00K | $335.14K | $166.49K | - |
| Other Non-Interest Expense | $518.00K | $500.00K | $540.00K | $567.00K | $360.30K | $539.31K | $1.08M |
| Income Before Tax | $2.25M | $2.17M | $1.48M | $1.48M | $1.09M | $1.46M | $1.38M |
| Income Tax Expense | $549.00K | $462.00K | $280.00K | $316.00K | $237.71K | $341.51K | $305.56K |
| Net Income | $1.70M | $1.71M | $1.20M | $1.16M | $856.38K | $1.12M | $1.08M |
| Basic EPS | nan | 0.53 | 0.38 | 0.37 | 0.28 | 0.36 | 0.35 |
| Diluted EPS | nan | 0.53 | 0.38 | 0.37 | 0.28 | 0.36 | 0.35 |
| 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 | $46.11M | $51.67M | $30.28M | $21.78M | $63.96M | $16.27M | $24.21M |
| Interest-Bearing Deposits | $566.00K | $521.00K | $1.00M | $918.00K | $697.00K | - | - |
| Investment Securities - AFS | $118.73M | $121.14M | $121.43M | $123.78M | $125.71M | $159.50M | $157.52M |
| Investment Securities - HTM | $21.05M | $21.13M | $21.33M | - | $20.50M | - | - |
| Loans & Leases (Gross) | $638.34M | - | - | - | $587.96M | - | - |
| Allowance for Loan Losses | - | - | - | $4.30M | $4.26M | $4.19M | $4.08M |
| Loans & Leases (Net) | $633.14M | $622.46M | $615.47M | - | $582.99M | - | - |
| Goodwill & Intangibles | $6.98M | - | - | - | $6.98M | - | - |
| Premises & Equipment | $7.14M | $7.22M | $7.27M | $7.32M | $7.35M | $7.44M | $7.46M |
| Other Assets | $7.30M | $7.36M | $8.15M | $7.75M | $8.16M | $7.01M | $7.25M |
| Total Assets | $871.96M | $869.63M | $842.22M | $817.56M | $844.64M | $817.53M | $798.56M |
| Total Deposits | $720.46M | $734.10M | $748.90M | $735.60M | $758.81M | $673.74M | $651.21M |
| Long-term Debt | $12.04M | $12.02M | $10.39M | $10.86M | $11.33M | $11.80M | $12.27M |
| Other Liabilities | $6.51M | $6.76M | $7.00M | $6.31M | $6.67M | $8.36M | $6.56M |
| Total Liabilities | $807.30M | $806.47M | $781.97M | $759.01M | $788.37M | $758.37M | $744.01M |
| Common Stock | $32.00K | $32.00K | $32.00K | $32.00K | $32.00K | $31.46K | $31.45K |
| Retained Earnings | $45.21M | $44.60M | $43.98M | $42.78M | $41.61M | $41.83M | $40.70M |
| AOCI | $-12.73M | $-13.19M | $-15.06M | $-15.56M | $-16.51M | $-13.53M | $-17.02M |
| Total Stockholders Equity | $64.66M | $63.16M | $60.25M | $58.55M | $56.27M | $59.16M | $54.54M |
| Total Liabilities & Equity | $871.96M | $869.63M | $842.22M | $817.56M | $844.64M | $817.53M | $798.56M |
| 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 | $1.70M | $1.71M | $2.36M | $1.16M | $856.38K | $1.12M | $1.08M |
| Stock-based Compensation | $4.00K | $168.00K | $163.00K | $158.00K | $4.39K | $13.61K | $4.54K |
| Operating Cash Flow | $1.32M | $4.73M | $1.90M | $590.00K | $-145.51K | $2.44M | $1.93M |
| Purchases of Securities | $129.00K | $887.00K | - | - | $-141.00 | $3.27M | $3.27M |
| Sales of Securities | - | - | - | - | $23.37M | $521.16K | $521.16K |
| Maturities of Securities | $3.10M | $10.16M | $7.11M | $3.85M | $3.90M | $14.17M | $9.17M |
| Investing Cash Flow | $-6.88M | $-34.62M | $-28.63M | $-13.79M | $15.47M | $-38.18M | $-17.81M |
| Long-term Debt Repaid | - | - | $944.00K | $472.00K | $472.33K | $1.42M | $944.44K |
| Dividends Paid | $664.00K | $665.00K | - | - | $774.13K | $602.87K | $602.87K |
| Financing Cash Flow | $59.00K | $17.41M | $-6.64M | $-28.76M | $32.49M | $7.89M | $-4.30M |
| Net Change in Cash | $-5.51M | $-12.47M | $-33.38M | $-41.96M | $47.82M | $-27.85M | $-20.18M |
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-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.