| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Loans held for investment | $119.6M+21.4% | $98.5M+21.3% | $81.2M+50.3% | $54.0M+30.0% | $41.5M+16.7% | $35.6M+11.9% | $31.8M+30.4% | $24.4M |
| Securities, includes restricted stock | $12.6M+45.9% | $8.6M+72.0% | $5.0M+20.6% | $4.2M+91.4% | $2.2M-14.9% | $2.6M-34.6% | $3.9M-0.9% | $3.9M |
| Securities purchased under agreements to resell | $1.5M | — | — | — | $619K+558.5% | $94K | — | — |
| Interest earning cash and other | $7.2M+15.4% | $6.3M+51.2% | $4.2M+163.9% | $1.6M+715.5% | $193K-50.8% | $392K-59.2% | $960K+52.1% | $631K |
| Total interest income | $139.4M+23.0% | $113.4M+23.4% | $91.9M+50.7% | $61.0M+37.0% | $44.5M+15.3% | $38.6M+5.4% | $36.7M+26.6% | $29.0M |
| Savings, NOW and money market deposits | $17.7M+37.0% | $12.9M+68.8% | $7.6M+413.1% | $1.5M+99.5% | $746K-16.0% | $888K-57.1% | $2.1M+128.0% | $908K |
| Time deposits | $280K-49.2% | $551K+15.8% | $476K+207.1% | $155K+96.2% | $79K-73.4% | $297K-37.2% | $473K+72.0% | $275K |
| Borrowings | $4K+0.0% | $4K+0.0% | $4K+0.0% | $4K+33.3% | $3K-40.0% | $5K+0.0% | $5K-82.8% | $29K |
| Total interest expense | $17.9M+33.4% | $13.4M+65.7% | $8.1M+392.7% | $1.6M+98.9% | $828K-30.4% | $1.2M-53.3% | $2.5M+110.2% | $1.2M |
| Net interest income | $121.5M+21.6% | $99.9M+19.3% | $83.8M+41.2% | $59.3M+35.8% | $43.7M+16.7% | $37.4M+9.8% | $34.1M+23.0% | $27.7M |
| Provision for credit losses | $9.7M+105.9% | $4.7M+3.9% | $4.5M+29.7% | $3.5M-49.8% | $7.0M | — | — | — |
| Net interest income after provision for credit losses | $111.8M+17.4% | $95.2M+20.2% | $79.2M+41.9% | $55.9M+52.0% | $36.7M+17.8% | $31.2M-3.3% | $32.3M+22.4% | $26.4M |
| Payment processing fees | $20.2M-3.2% | $20.9M-6.5% | $22.3M+1.7% | $21.9M+5.2% | $20.9M | — | — | — |
| Administrative service income | $3.0M+9.4% | $2.7M+11.0% | $2.5M-2.6% | $2.5M+8637.9% | $29K | — | — | — |
| Net gain on equity investments | $432K-89.2% | $4.0M | — | — | — | — | — | — |
| Customer related fees, service charges and other | $1.4M+12.2% | $1.3M+34.2% | $955K+166.0% | $359K-17.3% | $434K | — | — | — |
| Total noninterest income | $25.1M+0.7% | $24.9M-16.3% | $29.8M+19.4% | $24.9M+18.6% | $21.0M+43.5% | $14.6M+24.0% | $11.8M+50.4% | $7.9M |
| Employee compensation and benefits | $42.3M+11.8% | $37.8M+16.5% | $32.5M+26.0% | $25.8M+18.6% | $21.7M+28.9% | $16.9M+15.0% | $14.7M+12.6% | $13.0M |
| Occupancy and equipment | $4.9M+19.9% | $4.1M+21.7% | $3.4M+3.9% | $3.2M+15.2% | $2.8M+15.9% | $2.4M+26.6% | $1.9M+10.2% | $1.7M |
| Professional and consulting services | $5.5M+43.8% | $3.8M-29.8% | $5.4M+61.3% | $3.4M+15.5% | $2.9M-9.5% | $3.2M+10.6% | $2.9M+12.7% | $2.6M |
| FDIC and regulatory assessments | $1.1M+18.6% | $943K+18.9% | $793K+42.1% | $558K+24.8% | $447K+19.2% | $375K+55.0% | $242K-24.6% | $321K |
| Advertising and marketing | $3.6M+2.8% | $3.5M+92.8% | $1.8M+24.7% | $1.5M+24.5% | $1.2M+101.0% | $584K+12.7% | $518K+32.1% | $392K |
| Travel and business relations | $1.6M+70.8% | $966K-1.9% | $985K+74.0% | $566K+73.1% | $327K+55.7% | $210K-61.7% | $548K+8.7% | $504K |
| Data processing | $8.5M+27.0% | $6.7M+28.9% | $5.2M+22.3% | $4.2M+15.0% | $3.7M+17.7% | $3.1M+26.3% | $2.5M+30.3% | $1.9M |
| Other operating expenses | $3.7M+22.6% | $3.0M-2.0% | $3.1M+9.8% | $2.8M+41.1% | $2.0M+6.3% | $1.9M+12.8% | $1.6M-9.4% | $1.8M |
| Total noninterest expense | $71.2M+17.1% | $60.8M+14.5% | $53.1M+26.5% | $42.0M+19.7% | $35.1M+22.3% | $28.7M+15.0% | $24.9M+11.8% | $22.3M |
| Net income before income taxes | $65.7M+10.7% | $59.3M+6.1% | $55.9M+44.0% | $38.8M+70.9% | $22.7M+32.3% | $17.2M-10.3% | $19.1M+60.5% | $11.9M |
| Income tax expense | $14.8M-5.1% | $15.6M+5.1% | $14.9M+44.6% | $10.3M+115.0% | $4.8M+5.1% | $4.5M-8.9% | $5.0M+56.6% | $3.2M |
| Net income | $50.8M+16.4% | $43.7M+6.5% | $41.0M+43.8% | $28.5M+59.1% | $17.9M+42.1% | $12.6M-10.8% | $14.1M+61.9% | $8.7M |
| Basic | $6K+12.9% | $6K+5.1% | $5K+42.4% | $4K+55.4% | $2K+41.2% | $2K-11.0% | $2K+61.9% | $1K |
| Diluted | $6K+14.2% | $5K+4.7% | $5K+41.5% | $3K+53.5% | $2K+37.0% | $2K-9.3% | $2K+61.1% | $1K |
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.