| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Loans | $33.5M+0.3% | $33.4M+4.3% | $32.0M+22.0% | $26.3M |
| Taxable | $7.9M+15.2% | $6.9M+69.2% | $4.1M+15.7% | $3.5M |
| Tax-exempt | $12K-77.3% | $51K-44.3% | $91K-43.3% | $161K |
| Other interest-earning assets | $1.5M+10.3% | $1.4M+30.5% | $1.1M+165.4% | $404K |
| Total interest income | $43.0M+3.0% | $41.7M+12.0% | $37.3M+22.8% | $30.3M |
| Deposits | $22.5M-8.7% | $24.6M+36.4% | $18.0M+253.0% | $5.1M |
| FHLB of New York advances | $5.1M-23.1% | $6.6M+54.4% | $4.3M+98.1% | $2.2M |
| Total interest expense | $27.5M-11.7% | $31.2M+39.9% | $22.3M+206.9% | $7.3M |
| Net interest income | $15.5M+46.6% | $10.6M-29.5% | $15.0M-35.1% | $23.1M |
| Recovery of provision for credit losses | -$130K+12.2% | -$148K-18.4% | -$125K-129.4% | $425K |
| Net interest income after recovery of provision for credit losses | $15.6M+45.8% | $10.7M-29.1% | $15.1M-33.3% | $22.7M |
| Fees and service charges | $231K+1.0% | $229K+10.6% | $207K+15.0% | $180K |
| Gain on sale of loans | $38K+18.4% | $32K+8.7% | $29K-66.2% | $87K |
| Gain on sale of properties | $6K-99.9% | $9.0M | $0 | — |
| Loss on sale of securities | $0+100.0% | -$8.9M | $0 | — |
| Bank owned life insurance | $1.4M+64.7% | $872K+11.5% | $782K+12.5% | $695K |
| Other | $793K-17.5% | $960K-27.8% | $1.3M+34.6% | $988K |
| Total non-interest income | $1.8M+31.1% | $1.3M+18.4% | $1.1M+1.4% | $1.1M |
| Labor and Related Expense | $8.5M-2.9% | $8.8M-10.9% | $9.8M+12.7% | $8.7M |
| Occupancy and equipment | $2.7M+82.7% | $1.5M-0.4% | $1.5M+6.0% | $1.4M |
| Federal Deposit Insurance Corporation (“FDIC”) insurance premiums | $404K-4.8% | $424K+1.4% | $418K+89.9% | $220K |
| Data processing | $1.2M-3.9% | $1.2M+24.1% | $969K-14.4% | $1.1M |
| Advertising | $173K-53.5% | $372K-20.1% | $465K-5.6% | $493K |
| Director fees | $536K-13.9% | $623K+0.5% | $620K-22.6% | $801K |
| Professional fees | $1.1M+33.5% | $790K+19.5% | $661K+21.1% | $546K |
| Total non-interest expenses | $15.3M+4.8% | $14.6M-7.4% | $15.8M+10.3% | $14.3M |
| Income (loss) before income taxes | $2.1M+181.5% | -$2.5M-629.2% | $480K-94.9% | $9.5M |
| Income tax benefit | -$18K+95.1% | -$372K-129.1% | -$162K-106.2% | $2.6M |
| Net income (loss) | $2.1M+196.3% | -$2.2M-437.8% | $643K-90.7% | $6.9M |
| Earnings (loss) per share - basic (in dollars per share) | $0.17+200.0% | -$0.17-440.0% | $0.05-90.2% | $0.51 |
| Earnings (loss) per share - diluted (in dollars per share) | $0.17+200.0% | -$0.17-440.0% | $0.05-90.2% | $0.51 |
| Weighted average shares outstanding (in shares) | 12.6M-1.1% | 12.8M-1.0% | 12.9M-5.0% | 13.6M |
| Weighted average shares outstanding - diluted (in shares) | 12.5M-2.1% | 12.8M-1.0% | 12.9M-5.0% | 13.6M |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
Source: SEC EDGAR 10-K and 10-Q filings. Up to 10 years annual / 16 quarters shown.