$46.20M
Net Interest Income
$18.64M
Net Income
58.1%
Efficiency Ratio
4.12%
Net Int. Margin
18.9%
ROE
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
|---|---|---|---|---|
| Interest Income | $22.74M | $21.62M | $20.55M | $19.41M |
| Interest Expense | $9.29M | $8.62M | $8.17M | $7.51M |
| Net Interest Income | $13.46M | $13.00M | $12.39M | $11.89M |
| Provision for Credit Losses | $-182.00K | $2.22M | $1.09M | $721.00K |
| Net Interest Income After Provision | $13.64M | $10.78M | $11.30M | $11.17M |
| Non-Interest Income | $7.26M | $7.18M | $5.38M | $5.46M |
| Non-Interest Expense | $11.46M | $12.32M | $10.40M | $10.91M |
| Compensation & Benefits | $6.24M | $6.59M | $6.24M | $6.40M |
| Occupancy Expense | $410.00K | $418.00K | $400.00K | $392.00K |
| Technology & Equipment | $1.70M | $1.64M | $1.33M | $1.41M |
| Marketing Expense | $897.00K | $1.14M | $371.00K | $127.00K |
| Professional Fees | $417.00K | $644.00K | $571.00K | $700.00K |
| Other Non-Interest Expense | $707.00K | $916.00K | $630.00K | $880.00K |
| Income Before Tax | $9.44M | $5.64M | $6.28M | $5.73M |
| Income Tax Expense | $2.03M | $1.28M | $1.49M | $1.22M |
| Net Income | $7.40M | $4.31M | $4.75M | $4.47M |
| Basic EPS | nan | 0.30 | 0.33 | 0.31 |
| Diluted EPS | nan | 0.30 | 0.33 | 0.31 |
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
|---|---|---|---|---|
| Cash & Due from Banks | $5.33M | $4.99M | $11.88M | $6.70M |
| Interest-Bearing Deposits | $192.54M | $98.40M | $131.35M | $140.27M |
| Investment Securities - AFS | $71.04M | $85.77M | $82.89M | $71.47M |
| Loans & Leases (Gross) | $959.27M | $940.59M | $871.63M | $843.37M |
| Loans & Leases (Net) | $949.38M | $930.01M | $862.42M | $834.37M |
| Premises & Equipment | $1.09M | $855.00K | $770.00K | $809.00K |
| Other Assets | $37.75M | $21.94M | $22.93M | $21.00M |
| Total Assets | $1.36B | $1.30B | $1.23B | $1.19B |
| Total Deposits | $1.14B | $1.09B | $1.03B | $995.94M |
| Short-term Borrowings | $371.00K | - | - | - |
| Other Liabilities | $18.75M | $18.92M | $15.96M | $15.05M |
| Total Liabilities | $1.19B | $1.14B | $1.08B | $1.04B |
| Common Stock | $1.00K | $1.00K | $1.00K | $1.00K |
| Retained Earnings | $85.37M | $77.97M | $73.66M | $68.91M |
| AOCI | $-17.00K | $206.00K | $-1.21M | $-1.01M |
| Total Stockholders Equity | $165.75M | $158.19M | $151.75M | $146.62M |
| Total Liabilities & Equity | $1.36B | $1.30B | $1.23B | $1.19B |
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
|---|---|---|---|---|
| Net Income | $7.40M | $4.31M | $4.75M | $4.47M |
| Provision for Credit Losses | $-182.00K | $2.22M | $1.09M | $721.00K |
| Net Change in Loans HFS | $60.50M | $309.92M | $171.80M | $81.15M |
| Operating Cash Flow | $26.67M | $-17.03M | $-4.82M | $-5.68M |
| Purchases of Securities | $4.08M | $28.83M | $21.90M | $6.91M |
| Maturities of Securities | $5.12M | $11.25M | $5.15M | $1.63M |
| Net Change in Loans | $36.45M | $129.89M | $57.39M | $28.25M |
| Investing Cash Flow | $16.92M | $-161.58M | $-74.03M | $-32.90M |
| Net Change in Deposits | $50.52M | $157.10M | $97.38M | $60.86M |
| Net Change in Short-term Borrowings | - | - | - | - |
| Financing Cash Flow | $50.89M | $157.87M | $97.96M | $61.43M |
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-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.