$73.26M
Net Interest Income
$11.48M
Net Income
81.0%
Efficiency Ratio
2.76%
Net Int. Margin
6.4%
ROE
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
|---|---|---|---|---|
| Interest Income | $33.79M | $33.88M | $31.86M | $31.05M |
| Interest Expense | $10.51M | $10.45M | $11.24M | $11.84M |
| Net Interest Income | $23.28M | $23.43M | $20.62M | $19.21M |
| Provision for Credit Losses | $1.44M | $1.48M | $1.52M | $17.30M |
| Net Interest Income After Provision | $22.06M | $21.89M | $19.55M | $1.59M |
| Non-Interest Income | $3.52M | $4.53M | $5.25M | $3.73M |
| Non-Interest Expense | $17.84M | $28.37M | $19.76M | $21.83M |
| Compensation & Benefits | $9.48M | $9.77M | $8.91M | $11.57M |
| Technology & Equipment | $4.56M | $2.25M | $2.99M | $3.38M |
| Professional Fees | $817.00K | $790.00K | $1.09M | $661.00K |
| Income Before Tax | $7.75M | $-1.95M | $5.03M | $-16.51M |
| Income Tax Expense | $2.41M | $-1.04M | $1.16M | $-4.92M |
| Net Income | $5.33M | $-907.00K | $3.87M | $-11.59M |
| Basic EPS | nan | -0.05 | nan | nan |
| Diluted EPS | nan | -0.05 | nan | nan |
| 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 | $15.90M | $15.48M | $24.67M | $83.08M |
| Investment Securities - AFS | $269.14M | $269.31M | $266.25M | $261.95M |
| Investment Securities - HTM | $13.00M | - | - | - |
| Loans & Leases (Gross) | $2.30B | - | - | - |
| Loans & Leases (Net) | $2.28B | $2.25B | $2.22B | $2.21B |
| Goodwill & Intangibles | $11.94M | $11.94M | $11.94M | $11.94M |
| Premises & Equipment | $29.18M | $29.27M | $29.10M | $29.02M |
| Other Assets | $18.36M | $26.45M | $29.02M | $17.64M |
| Total Assets | $2.84B | $2.79B | $2.96B | $2.71B |
| Total Deposits | $2.13B | $2.08B | $2.44B | $2.13B |
| Total Liabilities | $2.46B | $2.41B | $2.77B | $2.52B |
| Common Stock | $201.00K | $201.00K | - | - |
| Retained Earnings | $211.98M | $206.65M | $207.56M | $203.68M |
| AOCI | $-12.83M | $-14.38M | $-16.13M | $-17.63M |
| Total Stockholders Equity | $378.99M | $372.04M | $191.43M | $186.06M |
| Total Liabilities & Equity | $2.84B | $2.79B | $2.96B | $2.71B |
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
|---|---|---|---|---|
| Net Income | $5.33M | $-907.00K | $-7.71M | $-11.59M |
| Depreciation & Amortization | $647.00K | $1.91M | $1.28M | $658.00K |
| Net Change in Loans HFS | $6.73M | $4.35M | $987.00K | $1.28M |
| Operating Cash Flow | $8.81M | $19.56M | $-4.57M | $-2.23M |
| Purchases of Securities | $9.59M | $44.07M | $32.10M | $14.66M |
| Maturities of Securities | $11.72M | $49.90M | $38.53M | $23.32M |
| Net Change in Loans | $27.49M | $94.46M | $67.17M | $52.14M |
| Capital Expenditures | $795.00K | $3.49M | $2.62M | $1.65M |
| Investing Cash Flow | $-23.56M | $-88.01M | $-60.56M | $-45.13M |
| Net Change in Deposits | $48.80M | $12.66M | $376.40M | $67.86M |
| Financing Cash Flow | $48.34M | $117.88M | $311.27M | $68.00M |
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-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.