| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Loans receivable, including fees | $11.2M+10.2% | $10.1M+39.9% | $7.2M+18.1% | $6.1M-12.0% | $7.0M-11.0% | $7.8M |
| Investment securities | $1.4M+34.1% | $1.1M-35.3% | $1.6M+11.0% | $1.5M+119.6% | $674K+18.7% | $568K |
| Cash and due from banks | $1.3M-51.5% | $2.6M+265.1% | $708K | — | — | — |
| Other earning assets | $56K-34.9% | $86K+19.4% | $72K-82.3% | $407K+578.3% | $60K-36.8% | $95K |
| Total interest income | $13.9M+0.2% | $13.9M+43.5% | $9.7M+20.6% | $8.0M+4.1% | $7.7M-9.3% | $8.5M |
| Deposits | $3.8M+17.4% | $3.2M+97.3% | $1.6M+307.2% | $402K-23.1% | $523K-43.2% | $920K |
| Borrowings | $315K-71.0% | $1.1M+241.1% | $319K+13.5% | $281K+3.3% | $272K-65.4% | $785K |
| Total interest expense | $4.1M-4.9% | $4.3M+120.7% | $2.0M+186.4% | $683K-14.1% | $795K-53.4% | $1.7M |
| Net interest income | $9.8M+2.6% | $9.5M+23.9% | $7.7M+5.1% | $7.3M+6.2% | $6.9M+1.8% | $6.8M |
| Provision for credit losses | $60K-88.7% | $531K+314.8% | $128K+134.1% | -$375K+43.2% | -$660K-167.0% | $985K |
| Net interest income after provision for credit losses | $9.7M+7.9% | $9.0M+19.0% | $7.6M-1.7% | $7.7M+1.9% | $7.6M+30.4% | $5.8M |
| Service charges on deposit accounts | $781K-2.1% | $798K+3.1% | $774K+5.9% | $731K+14.0% | $641K+11.5% | $575K |
| Bank-owned life insurance | $494K+6.7% | $463K+13.2% | $409K+30.3% | $314K+248.9% | $90K+28.6% | $70K |
| Loss on sale of investment securities | -$5.5M | — | -$92K | — | — | — |
| (Loss) gain on disposals and sales of fixed assets | -$1K-116.7% | $6K | — | — | $25K+56.3% | $16K |
| Federal community development grant | $0-100.0% | $280K-35.9% | $437K+155.6% | $171K-90.6% | $1.8M+799.5% | $203K |
| Other | $657K-9.1% | $723K+100.3% | $361K-1.6% | $367K+19.5% | $307K-36.4% | $483K |
| Total non-interest income (loss) | $1.4M+135.4% | -$3.8M-341.7% | $1.6M+35.5% | $1.2M-55.3% | $2.6M+171.8% | $966K |
| Salaries and employee benefits | $5.2M+6.7% | $4.8M+3.4% | $4.7M-3.1% | $4.8M+4.1% | $4.6M+27.1% | $3.6M |
| Occupancy and equipment | $823K+7.6% | $765K-4.6% | $802K-3.7% | $833K+7.6% | $774K+14.2% | $678K |
| Data processing and communication | $718K-46.8% | $1.3M+48.1% | $911K+8.3% | $841K+8.2% | $777K+27.0% | $612K |
| Professional fees | $404K-13.9% | $469K-3.5% | $486K-9.7% | $538K+38.7% | $388K+42.1% | $273K |
| Directors' fees | $477K+3.5% | $461K-0.4% | $463K+53.3% | $302K+8.2% | $279K+27.4% | $219K |
| ATM and debit card | $103K-27.0% | $141K-43.6% | $250K+2.0% | $245K+21.9% | $201K+33.1% | $151K |
| Foreclosed assets, net | -$85K-214.9% | $74K+2.8% | $72K+1340.0% | $5K-94.4% | $90K-68.6% | $287K |
| Advertising and marketing | $131K+1.6% | $129K+29.0% | $100K-58.3% | $240K+458.1% | $43K-50.0% | $86K |
| Regulatory fees and assessments | $134K-10.1% | $149K+13.7% | $131K-2.2% | $134K+8.9% | $123K | — |
| Franchise and shares tax | $69K+3.0% | $67K-17.3% | $81K-29.6% | $115K | — | — |
| Total non-interest expense | $8.6M-6.3% | $9.2M+6.7% | $8.6M-1.6% | $8.7M+11.9% | $7.8M-1.9% | $7.9M |
| Income (loss) before income tax expense (benefit) | $2.5M+162.9% | -$4.0M-778.5% | $587K+269.2% | $159K-93.4% | $2.4M+303.8% | -$1.2M |
| Income tax expense (benefit) | $452K+150.6% | -$894K-1565.6% | $61K+390.5% | -$21K-104.3% | $484K+202.1% | -$474K |
| NET INCOME (LOSS) | $2.1M+166.4% | -$3.1M-687.3% | $526K+192.2% | $180K-90.6% | $1.9M+372.4% | -$703K |
| Earnings (loss) per share - basic (in dollars per share) | $0.56+171.8% | -$0.78-750.0% | $0.12+200.0% | $0.04-89.7% | $0.39 | — |
| Earnings (loss) per share - diluted (in dollars per share) | $0.56+171.8% | -$0.78-750.0% | $0.12+200.0% | $0.04 | — | — |
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.