$9.71M
Net Interest Income
$-1.96M
Net Income
123.4%
Efficiency Ratio
2.16%
Net Int. Margin
-2.2%
ROE
| Breakdown | FY 2025 (Dec 31, 2025) |
|---|---|
| Interest Income | $20.37M |
| Interest Expense | $6.28M |
| Net Interest Income | $14.08M |
| Provision for Credit Losses | $540.00K |
| Net Interest Income After Provision | $13.54M |
| Non-Interest Income | $1.22M |
| Other Non-Interest Income | $684.46K |
| Non-Interest Expense | $14.75M |
| Compensation & Benefits | $6.09M |
| Occupancy Expense | $2.63M |
| Other Non-Interest Expense | $3.88M |
| Income Before Tax | $8.92K |
| Income Tax Expense | $-223.77K |
| Net Income | $232.69K |
| Basic EPS | 0.03 |
| Diluted EPS | 0.03 |
| Breakdown | FY 2025 (Dec 31, 2025) |
|---|---|
| Cash & Due from Banks | $47.60M |
| Interest-Bearing Deposits | $870.00K |
| Investment Securities - AFS | $106.65M |
| Investment Securities - HTM | $28.37M |
| Loans & Leases (Gross) | $276.34M |
| Loans & Leases (Net) | $267.95M |
| Premises & Equipment | $7.42M |
| Other Assets | $1.73M |
| Total Assets | $489.38M |
| Total Deposits | $321.55M |
| Accounts Payable & Accrued | $3.40M |
| Total Liabilities | $328.01M |
| Common Stock | $80.97K |
| Retained Earnings | $101.39M |
| AOCI | $-10.89M |
| Total Stockholders Equity | $161.37M |
| Total Liabilities & Equity | $489.38M |
| Breakdown | FY 2025 (Dec 31, 2025) |
|---|---|
| Net Income | $232.69K |
| Provision for Credit Losses | $540.00K |
| Deferred Taxes | $-556.36K |
| Stock-based Compensation | $29.57K |
| Operating Cash Flow | $1.25M |
| Maturities of Securities | $17.01M |
| Net Change in Loans | $27.52M |
| Capital Expenditures | $1.04M |
| Investing Cash Flow | $-2.76M |
| Net Change in Deposits | $-35.74M |
| Financing Cash Flow | $33.78M |
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 | |
| Income Before Tax | $95.57K | $-643.93K | $43.48K | $-2.32M |
| Income Tax Expense | $25.51K | $-246.63K | $12.39K | $-788.08K |
| Net Income | $70.06K | $-397.30K | $31.09K | $-1.54M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Property Plant & Equipment | $7.33M | $7.75M |
| Intangible Assets | $184.00K | $322.00K |
| Total Assets | $454.75M | $449.51M |
| Total Liabilities | $364.61M | $363.68M |
| Retained Earnings | $101.75M | $101.72M |
| Total Stockholders Equity | $90.15M | $85.83M |
| Total Liabilities & Equity | $454.75M | $449.51M |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $70.06K | $-397.30K | $31.09K | $-1.54M |
| Deferred Income Tax | - | - | $-101.89K | $-330.14K |
| Operating Cash Flow | - | - | $-25.00K | $-1.32M |
| Capital Expenditure | - | - | $438.04K | $724.01K |
| Investing Cash Flow | - | - | $11.12M | $5.21M |
| Financing Cash Flow | - | - | $509.06K | $-10.33M |
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.