$73.26M
Net Interest Income
$11.48M
Net Income
81.0%
Efficiency Ratio
2.76%
Net Int. Margin
6.4%
ROE
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
|---|---|---|
| Interest Income | $130.58M | $130.58M |
| Interest Expense | $44.04M | $44.04M |
| Net Interest Income | $86.54M | $86.54M |
| Provision for Credit Losses | $21.75M | $21.75M |
| Net Interest Income After Provision | $65.10M | $65.10M |
| Non-Interest Income | $17.02M | $17.02M |
| Non-Interest Expense | $87.80M | $87.81M |
| Compensation & Benefits | $39.73M | $39.72M |
| Technology & Equipment | $13.18M | $13.18M |
| Professional Fees | $3.36M | $3.36M |
| Income Before Tax | $-5.68M | $-5.68M |
| Income Tax Expense | $-2.39M | $-2.39M |
| Net Income | $-3.29M | $-3.29M |
| Basic EPS | nan | -0.18 |
| Diluted EPS | nan | -0.18 |
| Breakdown | FY 2025 (Dec 31, 2025) |
|---|---|
| Cash & Due from Banks | $15.90M |
| Investment Securities - AFS | $269.14M |
| Investment Securities - HTM | $13.00M |
| Loans & Leases (Gross) | $2.30B |
| Loans & Leases (Net) | $2.28B |
| Goodwill & Intangibles | $11.94M |
| Premises & Equipment | $29.18M |
| Other Assets | $18.36M |
| Total Assets | $2.84B |
| Total Deposits | $2.13B |
| Total Liabilities | $2.46B |
| Common Stock | $201.00K |
| Retained Earnings | $211.98M |
| AOCI | $-12.83M |
| Total Stockholders Equity | $378.99M |
| Total Liabilities & Equity | $2.84B |
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
|---|---|---|
| Net Income | $-14.88M | $-3.29M |
| Depreciation & Amortization | $4.49M | $2.56M |
| Deferred Taxes | - | $-2.76M |
| Net Change in Loans HFS | $13.36M | $11.08M |
| Operating Cash Flow | $21.58M | $28.37M |
| Purchases of Securities | $100.43M | $53.66M |
| Sales of Securities | - | $9.60M |
| Maturities of Securities | $123.47M | $61.62M |
| Net Change in Loans | $241.27M | $121.96M |
| Capital Expenditures | $8.56M | $4.29M |
| Investing Cash Flow | $-217.28M | $-111.58M |
| Net Change in Deposits | $505.70M | $61.45M |
| Financing Cash Flow | $545.49M | $166.22M |
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 | $10.45M | $13.24M | $33.69M | $37.65M |
| Income Before Tax | $-1.95M | $2.75M | $-13.43M | $10.62M |
| Income Tax Expense | $-1.04M | $667.00K | $-4.81M | $2.64M |
| Net Income | $-907.00K | $2.08M | $-8.62M | $7.97M |
| Basic EPS | -0.05 | - | -0.47 | - |
| Diluted EPS | -0.05 | - | -0.47 | - |
| Basic Shares Outstanding | $18.52M | - | $18.52M | - |
| Diluted Shares Outstanding | $18.52M | - | $18.52M | - |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Short-term Investments | $96.38M | $46.78M |
| Property Plant & Equipment | $29.27M | $28.50M |
| Goodwill | $11.94M | $11.94M |
| Total Assets | $2.79B | $2.66B |
| Total Liabilities | $2.41B | $2.46B |
| Common Stock | $201.00K | - |
| Retained Earnings | $206.65M | $215.27M |
| Total Stockholders Equity | $372.04M | $193.83M |
| Total Liabilities & Equity | $2.79B | $2.66B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $-907.00K | $2.08M | $-8.62M | $7.97M |
| Depreciation & Amortization | - | - | $1.91M | $1.88M |
| Operating Cash Flow | - | - | $19.56M | $3.32M |
| Capital Expenditure | - | - | $3.49M | $2.04M |
| Sales of Investments | - | - | $49.90M | $60.34M |
| Investing Cash Flow | - | - | $-88.01M | $-78.33M |
| Stock Issued | - | - | $186.19M | - |
| Financing Cash Flow | - | - | $117.88M | $62.80M |
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.