$9.71M
Net Interest Income
$-1.96M
Net Income
123.4%
Efficiency Ratio
2.16%
Net Int. Margin
-2.2%
ROE
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
|---|---|---|
| Interest Income | $5.59M | $5.00M |
| Interest Expense | $1.40M | $1.59M |
| Net Interest Income | $4.19M | $3.41M |
| Provision for Credit Losses | $135.00K | $135.00K |
| Net Interest Income After Provision | $4.06M | $3.28M |
| Non-Interest Income | $571.46K | $232.37K |
| Other Non-Interest Income | $163.08K | $180.63K |
| Non-Interest Expense | $4.66M | $3.42M |
| Compensation & Benefits | $907.47K | $1.71M |
| Occupancy Expense | $1.03M | $494.26K |
| Other Non-Interest Expense | $776.26K | $1.14M |
| Income Before Tax | $-34.56K | $95.57K |
| Income Tax Expense | $-236.16K | $25.51K |
| Net Income | $201.60K | $70.06K |
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
|---|---|---|
| Cash & Due from Banks | $47.60M | $26.93M |
| Interest-Bearing Deposits | $870.00K | $870.00K |
| Investment Securities - AFS | $106.65M | $108.84M |
| Investment Securities - HTM | $28.37M | $29.80M |
| Loans & Leases (Gross) | $276.34M | - |
| Loans & Leases (Net) | $267.95M | $249.40M |
| Premises & Equipment | $7.42M | $7.33M |
| Other Assets | $1.73M | $2.99M |
| Total Assets | $489.38M | $454.75M |
| Total Deposits | $321.55M | $356.82M |
| Accounts Payable & Accrued | $3.40M | $4.05M |
| Total Liabilities | $328.01M | $364.61M |
| Common Stock | $80.97K | - |
| Retained Earnings | $101.39M | $101.75M |
| AOCI | $-10.89M | $-11.60M |
| Total Stockholders Equity | $161.37M | $90.15M |
| Total Liabilities & Equity | $489.38M | $454.75M |
| Breakdown | Q4 2025 (Dec 31, 2025) |
Q3 2025 (Sep 30, 2025) |
|---|---|---|
| Net Income | $201.60K | $70.06K |
| Provision for Credit Losses | $135.00K | $135.00K |
| Deferred Taxes | $-454.47K | $-101.89K |
| Operating Cash Flow | $1.27M | $-25.00K |
| Sales of Securities | - | $13.71M |
| Maturities of Securities | $12.77M | $4.24M |
| Net Change in Loans | $17.95M | $9.57M |
| Capital Expenditures | $605.07K | $438.04K |
| Investing Cash Flow | $-13.88M | $11.12M |
| Net Change in Deposits | $-35.27M | $-471.40K |
| Financing Cash Flow | $33.27M | $509.06K |
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-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.