| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Interest and fees on loans | $87.1M+26.4% | $68.9M+17.9% | $58.4M+14.7% | $50.9M |
| Interest on securities | $1.5M+66.0% | $897K+165.4% | $338K+62.5% | $208K |
| Other interest income | $3.9M-14.5% | $4.6M-20.7% | $5.8M+387.4% | $1.2M |
| Total interest income | $92.5M+24.4% | $74.4M+15.2% | $64.5M+23.3% | $52.3M |
| Interest on deposits | $20.3M+31.4% | $15.4M+54.8% | $10.0M+596.5% | $1.4M |
| Total interest expense | $20.3M+31.4% | $15.4M+54.8% | $10.0M+595.6% | $1.4M |
| Net interest income | $72.2M+22.5% | $58.9M+8.0% | $54.6M+7.2% | $50.9M |
| Provision for credit losses | $38.6M+233.3% | $11.6M-0.6% | $11.6M-13.9% | $13.5M |
| Net interest income after provision for credit losses | $33.6M-29.0% | $47.3M+10.3% | $42.9M+14.8% | $37.4M |
| Strategic Program fees | $22.0M+24.0% | $17.8M+11.6% | $15.9M-29.2% | $22.5M |
| Gain on sale of loans, net | $6.4M+213.0% | $2.0M+20.9% | $1.7M-87.6% | $13.6M |
| SBA loan servicing fees, net | -$156K-113.7% | $1.1M-38.3% | $1.8M | — |
| Change in fair value on investment in BFG | $1.3M+308.0% | -$625K-4.2% | -$600K-25.5% | -$478K |
| Credit enhancement income | $23.9M+21453.2% | $111K | $0 | — |
| Other miscellaneous income | $5.0M+143.1% | $2.1M-21.1% | $2.6M+872.5% | $269K |
| Total non-interest income | $58.5M+160.1% | $22.5M+4.8% | $21.5M-42.6% | $37.4M |
| Salaries and employee benefits | $42.3M+20.1% | $35.2M+36.7% | $25.8M+5.2% | $24.5M |
| Professional services | $3.6M-23.4% | $4.7M-4.5% | $5.0M-9.0% | $5.5M |
| Occupancy and equipment expenses | $1.9M-13.9% | $2.2M-34.2% | $3.3M+50.3% | $2.2M |
| Credit enhancement servicing expense | $1.2M+122100.0% | $1K | — | — |
| Credit enhancement guarantee expense | $8.5M+106562.5% | $8K | — | — |
| Other operating expenses | $12.8M+19.4% | $10.7M+63.7% | $6.5M+34.0% | $4.9M |
| Total non-interest expense | $70.3M+33.1% | $52.8M+30.3% | $40.6M+4.7% | $38.8M |
| Income before income taxes | $21.8M+28.1% | $17.0M-28.7% | $23.8M-33.9% | $36.0M |
| Provision for income taxes | $5.7M+33.5% | $4.2M-33.1% | $6.4M-41.8% | $10.9M |
| Net income | $16.1M+26.3% | $12.7M-27.0% | $17.5M-30.5% | $25.1M |
| Earnings per share, basic (in dollars per share) | $1200.00+22.4% | $980.00-29.0% | $1380.00-29.6% | $1960.00 |
| Earnings per share, diluted (in dollars per share) | $1130.00+21.5% | $930.00-30.1% | $1330.00-28.9% | $1870.00 |
| Weighted average shares outstanding, basic (in shares) | 12.83B+1.7% | 12.61B+1.0% | 12.49B-1.9% | 12.73B |
| Weighted average number of shares outstanding, diluted (in shares) | 13.57B+2.5% | 13.23B+2.5% | 12.91B-3.3% | 13.36B |
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.