$46.20M
Net Interest Income
$18.64M
Net Income
58.1%
Efficiency Ratio
4.12%
Net Int. Margin
18.9%
ROE
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
|---|---|---|
| Interest Income | $84.33M | $84.33M |
| Interest Expense | $33.59M | $33.59M |
| Net Interest Income | $50.73M | $50.73M |
| Provision for Credit Losses | $3.85M | $3.85M |
| Net Interest Income After Provision | $46.88M | $46.88M |
| Non-Interest Income | $25.29M | $25.29M |
| Total Revenue | - | $1.24B |
| Revenue Growth % | nan% | nan% |
| Non-Interest Expense | $45.08M | $45.08M |
| Compensation & Benefits | $25.46M | $25.46M |
| Occupancy Expense | $1.62M | $1.62M |
| Technology & Equipment | $6.08M | $6.08M |
| Marketing Expense | $2.54M | $2.77M |
| Professional Fees | $2.33M | $2.33M |
| Other Non-Interest Expense | $3.13M | $2.89M |
| Income Before Tax | $27.09M | $27.09M |
| Income Tax Expense | $6.02M | $6.02M |
| Net Income | $20.93M | $20.93M |
| Net Margin % | nan% | 1.7% |
| Basic EPS | nan | 1.46 |
| Diluted EPS | nan | 1.44 |
| Breakdown | FY 2025 (Dec 31, 2025) |
|---|---|
| Cash & Due from Banks | $5.33M |
| Interest-Bearing Deposits | $192.54M |
| Investment Securities - AFS | $71.04M |
| Loans & Leases (Gross) | $959.27M |
| Loans & Leases (Net) | $949.38M |
| Premises & Equipment | $1.09M |
| Other Assets | $37.75M |
| Total Assets | $1.36B |
| Total Deposits | $1.14B |
| Short-term Borrowings | $371.00K |
| Other Liabilities | $18.75M |
| Total Liabilities | $1.19B |
| Common Stock | $1.00K |
| Retained Earnings | $85.37M |
| AOCI | $-17.00K |
| Total Stockholders Equity | $165.75M |
| Total Liabilities & Equity | $1.36B |
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
|---|---|---|
| Net Income | $20.93M | $20.93M |
| Provision for Credit Losses | $3.85M | $3.85M |
| Deferred Taxes | - | $382.00K |
| Net Change in Loans HFS | $623.37M | $370.41M |
| Operating Cash Flow | $-866.00K | $9.64M |
| Purchases of Securities | $61.72M | $32.91M |
| Sales of Securities | - | $13.76M |
| Maturities of Securities | $23.15M | $16.37M |
| Net Change in Loans | $251.97M | $166.33M |
| Investing Cash Flow | $-251.59M | $-144.66M |
| Net Change in Deposits | $365.86M | $207.62M |
| Financing Cash Flow | $368.15M | $208.76M |
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 | $8.62M | - | $24.27M | - |
| Income Before Tax | $5.64M | - | $17.65M | - |
| Income Tax Expense | $1.28M | - | $3.99M | - |
| Net Income | $4.31M | $4.68M | $13.53M | - |
| Basic EPS | 0.30 | - | 0.95 | - |
| Diluted EPS | 0.30 | - | 0.93 | - |
| Basic Shares Outstanding | $14.28M | - | $14.27M | - |
| Diluted Shares Outstanding | $14.53M | - | $14.51M | - |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Property Plant & Equipment | $855.00K | $835.00K |
| Total Assets | $1.30B | $1.12B |
| Total Liabilities | $1.14B | $981.66M |
| Common Stock | $1.00K | $1.00K |
| Retained Earnings | $77.97M | $64.44M |
| Total Stockholders Equity | $158.19M | $140.70M |
| Total Liabilities & Equity | $1.30B | $1.12B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $4.31M | $4.68M | $13.53M | - |
| Operating Cash Flow | - | - | $-17.03M | - |
| Capital Expenditure | - | - | $195.00K | - |
| Sales of Investments | - | - | $11.25M | - |
| Investing Cash Flow | - | - | $-161.58M | - |
| Stock Issued | - | - | $226.00K | - |
| Financing Cash Flow | - | - | $157.87M | - |
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.