$77.58M
Net Interest Income
$31.41M
Net Income
52.1%
Efficiency Ratio
3.37%
Net Int. Margin
14.3%
ROE
| Breakdown | FY 2025 (Dec 31, 2025) |
|---|---|
| Interest Income | $121.60M |
| Interest Expense | $41.17M |
| Net Interest Income | $80.43M |
| Net Interest Income After Provision | $79.97M |
| Non-Interest Income | $9.93M |
| Other Non-Interest Income | $2.18M |
| Non-Interest Expense | $42.48M |
| Occupancy Expense | $3.26M |
| Technology & Equipment | $4.53M |
| Professional Fees | $846.24K |
| Other Non-Interest Expense | $6.40M |
| Income Before Tax | $47.42M |
| Income Tax Expense | $10.22M |
| Net Income | $37.20M |
| Basic EPS | 2.95 |
| Diluted EPS | 2.95 |
| Breakdown | FY 2025 (Dec 31, 2025) |
|---|---|
| Cash & Due from Banks | $26.39M |
| Interest-Bearing Deposits | $92.60M |
| Investment Securities - AFS | $43.14M |
| Investment Securities - HTM | $97.73M |
| Goodwill & Intangibles | $8.51M |
| Premises & Equipment | $49.77M |
| Total Assets | $2.29B |
| Total Deposits | $1.82B |
| Short-term Borrowings | $88.25M |
| Long-term Debt | $78.59M |
| Other Liabilities | $20.58M |
| Total Liabilities | $2.01B |
| Common Stock | $136.98K |
| Retained Earnings | $247.51M |
| AOCI | $-674.90K |
| Total Stockholders Equity | $285.34M |
| Total Liabilities & Equity | $2.29B |
| Breakdown | FY 2025 (Dec 31, 2025) |
|---|---|
| Net Income | $37.20M |
| Depreciation & Amortization | $3.71M |
| Deferred Taxes | $-227.79K |
| Stock-based Compensation | $124.38K |
| Operating Cash Flow | $37.09M |
| Purchases of Securities | $31.76M |
| Maturities of Securities | $37.92M |
| Net Change in Loans | $67.60M |
| Capital Expenditures | $1.87M |
| Investing Cash Flow | $-32.66M |
| Net Change in Deposits | $-122.86M |
| Long-term Debt Issued | $8.33M |
| Long-term Debt Repaid | $35.52M |
| Common Stock Repurchased | $980.80K |
| Dividends Paid | $2.00M |
| Financing Cash Flow | $-38.31M |
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 | $9.80M | $11.57M | $32.84M | $32.85M |
| Income Before Tax | $12.30M | $11.02M | $35.05M | $31.73M |
| Income Tax Expense | $2.83M | $1.81M | $8.00M | $5.65M |
| Net Income | $9.47M | $9.21M | $27.06M | $25.80M |
| Basic EPS | 0.77 | 0.75 | 2.22 | 2.14 |
| Diluted EPS | 0.77 | 0.74 | 2.22 | 2.10 |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $154.79M | $178.20M |
| Property Plant & Equipment | $50.27M | $50.29M |
| Goodwill | $8.51M | $8.51M |
| Other Non-current Assets | $21.78M | $30.19M |
| Total Assets | $2.21B | $2.30B |
| Short-term Debt | $62.66M | $3.39M |
| Long-term Debt | $100.10M | $105.77M |
| Total Liabilities | $1.97B | $2.08B |
| Common Stock | $122.40K | $121.13K |
| Retained Earnings | $237.37M | $212.31M |
| Total Stockholders Equity | $245.15M | $220.26M |
| Total Liabilities & Equity | $2.21B | $2.30B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $9.47M | $9.21M | $27.06M | $25.80M |
| Depreciation & Amortization | $954.75K | $1.06M | $2.71M | $3.12M |
| Operating Cash Flow | - | - | $27.99M | $28.46M |
| Capital Expenditure | - | - | $1.54M | $2.56M |
| Sales of Investments | - | - | $36.59M | $33.12M |
| Investing Cash Flow | - | - | $55.95M | $-32.37M |
| Debt Repayment | - | - | $5.68M | $36.00M |
| Stock Repurchased | - | - | $980.80K | $45.24K |
| Dividends Paid | - | - | $2.00M | $2.00M |
| Financing Cash Flow | - | - | $-107.35M | $28.29M |
| Net Change in Cash | - | - | $-23.41M | $24.38M |
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.