| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Loans, including fees | $58.3M+7.3% | $54.3M+11.4% | $48.7M+15.9% | $42.0M+2.9% | $40.8M+0.4% | $40.7M+2.6% | $39.6M |
| Securities, taxable | $8.7M+37.5% | $6.4M+3.8% | $6.1M+3.5% | $5.9M+114.1% | $2.8M+104.4% | $1.4M-16.2% | $1.6M |
| Securities, non-taxable | $1.2M+0.3% | $1.2M-3.0% | $1.2M+2.3% | $1.2M+17.9% | $1.0M+22.8% | $826K-16.6% | $990K |
| Short-term investments, including federal funds sold | $3.3M+4.0% | $3.1M+188.8% | $1.1M+2.3% | $1.1M+589.6% | $154K-3.8% | $160K-74.3% | $622K |
| Total Interest Income | $71.5M+10.0% | $65.0M+13.7% | $57.2M+13.4% | $50.4M+6.1% | $47.5M+7.2% | $44.3M+3.4% | $42.9M |
| Deposits | $28.9M+2.3% | $28.2M+60.3% | $17.6M+333.8% | $4.1M+4.7% | $3.9M-36.7% | $6.1M-31.8% | $9.0M |
| Securities sold under agreements to repurchase and federal funds purchased | $144K-73.6% | $545K+86.6% | $292K+1116.7% | $24K+200.0% | $8K-55.6% | $18K-75.7% | $74K |
| Short-term borrowings | $2K-81.8% | $11K-94.8% | $212K | — | — | — | $275K |
| Total Interest Expense | $29.0M+0.9% | $28.8M+58.9% | $18.1M+341.6% | $4.1M+2.3% | $4.0M-37.4% | $6.4M-31.3% | $9.3M |
| Net Interest Income | $42.4M+17.2% | $36.2M-7.3% | $39.0M-15.6% | $46.3M+6.4% | $43.5M+14.7% | $37.9M+13.1% | $33.5M |
| PROVISION (CREDIT) FOR CREDIT LOSSES | $109K+125.2% | -$433K-143.3% | -$178K | — | — | — | — |
| Net Interest Income after Provision (Credit) for Credit Losses | $42.3M+15.6% | $36.6M-6.6% | $39.2M-13.6% | $45.4M+6.6% | $42.6M+20.3% | $35.4M+7.5% | $32.9M |
| Merchant and credit card processing fees | $257K-20.4% | $323K-10.8% | $362K+1.7% | $356K+10.9% | $321K+21.1% | $265K-22.1% | $340K |
| Debit card interchange fees | $929K+2.1% | $910K+1.7% | $895K+0.9% | $887K+2.4% | $866K+33.8% | $647K+5.7% | $612K |
| Other service fees | $722K+12.8% | $640K+0.6% | $636K+10.4% | $576K+20.3% | $479K+15.1% | $416K-17.6% | $505K |
| Bank owned life insurance | $1.3M+0.8% | $1.3M+78.3% | $736K+40.5% | $524K-13.7% | $607K-34.7% | $930K+34.6% | $691K |
| Gain on sale of other real estate owned | $29K | — | — | — | — | — | — |
| Total Other Non-Interest Income | $3.3M+2.3% | $3.2M+21.1% | $2.6M+12.2% | $2.3M-2.4% | $2.4M-1.8% | $2.4M+11.5% | $2.2M |
| Salaries and employee benefits | $15.1M+6.0% | $14.2M+3.4% | $13.8M+2.8% | $13.4M+10.3% | $12.1M+9.5% | $11.1M+6.1% | $10.5M |
| Occupancy and equipment | $4.2M+2.2% | $4.1M+6.3% | $3.9M+3.7% | $3.8M+2.0% | $3.7M+10.7% | $3.3M-2.3% | $3.4M |
| Data processing | $3.6M+21.4% | $2.9M-0.4% | $3.0M-8.3% | $3.2M+9.5% | $2.9M+13.8% | $2.6M+10.5% | $2.3M |
| Advertising and promotion | $847K-8.7% | $928K-5.9% | $986K+21.9% | $809K-18.0% | $987K-9.9% | $1.1M-36.0% | $1.7M |
| Professional fees | $1.1M-0.4% | $1.1M+2.3% | $1.1M+14.9% | $934K+12.0% | $834K-1.4% | $846K+7.1% | $790K |
| FDIC insurance | $805K+1.5% | $793K+4.3% | $760K+62.4% | $468K-15.7% | $555K+42.7% | $389K+95.5% | $199K |
| Loan & real estate | $303K+24.2% | $244K+13.5% | $215K+0.5% | $214K-29.1% | $302K+20.3% | $251K+19.0% | $211K |
| Charitable contributions | $985K+5.5% | $934K+0.3% | $931K-0.5% | $936K+7.5% | $871K+0.2% | $869K+0.6% | $864K |
| Other | $2.0M+3.6% | $2.0M+9.1% | $1.8M-9.6% | $2.0M+10.5% | $1.8M+9.4% | $1.7M-1.8% | $1.7M |
| Total Other Non-Interest Expenses | $29.0M+6.2% | $27.3M+3.4% | $26.4M+2.5% | $25.7M+6.7% | $24.1M+9.1% | $22.1M+1.7% | $21.7M |
| Income before Income Taxes | $16.6M+32.7% | $12.5M-19.1% | $15.5M-29.7% | $22.0M+5.5% | $20.9M+32.6% | $15.7M+17.6% | $13.4M |
| INCOME TAX EXPENSE | $2.9M+40.1% | $2.1M-26.1% | $2.8M-34.8% | $4.3M+5.5% | $4.1M+39.2% | $2.9M+17.1% | $2.5M |
| Net Income | $13.7M+31.2% | $10.4M-17.5% | $12.7M-28.5% | $17.7M+5.5% | $16.8M+31.0% | $12.8M+17.7% | $10.9M |
| BASIC EARNINGS PER SHARE | $1790.00+30.7% | $1370.00-18.0% | $1670.00-28.6% | $2340.00+4.9% | $2230.00+30.4% | $1710.00+17.1% | $1460.00 |
| DILUTED EARNINGS PER SHARE | $1790.00+30.7% | $1370.00-18.0% | $1670.00-28.6% | $2340.00+5.4% | $2220.00+30.6% | $1700.00+18.1% | $1440.00 |
| DIVIDENDS PER SHARE | $480.00+14.3% | $420.00+5.0% | $400.00+14.3% | $350.00+16.7% | $300.00+36.4% | $220.00+10.0% | $200.00 |
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.