| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Interest and fees on loans | $20.2M+3.0% | $19.6M+16.2% | $16.9M+19.9% | $14.1M-0.3% | $14.1M |
| Taxable | $5.8M+50.0% | $3.9M+124.0% | $1.7M+58.9% | $1.1M+142.0% | $448K |
| Non-taxable | $796K-53.5% | $1.7M-1.3% | $1.7M+31.8% | $1.3M+47.0% | $895K |
| Total interest on debt securities | $6.6M+18.2% | $5.6M+61.1% | $3.5M+44.0% | $2.4M+78.7% | $1.3M |
| Dividends | $189K-18.2% | $231K-2.5% | $237K+100.8% | $118K+413.0% | $23K |
| Total interest and dividend income | $27.0M+6.1% | $25.4M+23.5% | $20.6M+24.0% | $16.6M+7.2% | $15.5M |
| Interest on deposits | $10.7M+10.9% | $9.7M+79.9% | $5.4M+666.2% | $701K+19.6% | $586K |
| Interest on borrowings | $2.6M-33.3% | $3.9M+4.4% | $3.7M+254.6% | $1.0M+61.2% | $649K |
| Total interest expense | $13.3M-1.7% | $13.5M+49.0% | $9.1M+419.7% | $1.7M+41.5% | $1.2M |
| Net interest and dividend income | $13.7M+15.0% | $11.9M+3.4% | $11.5M-22.6% | $14.9M+4.2% | $14.3M |
| Release for credit losses | -$1K+98.6% | -$72K-138.3% | $188K | — | — |
| Net interest and dividend income after release for credit losses | $13.7M+14.4% | $12.0M+5.7% | $11.3M-23.8% | $14.9M+5.7% | $14.1M |
| Customer service fees | $1.0M+39.2% | $722K-4.9% | $759K-26.9% | $1.0M+3.2% | $1.0M |
| Gain on sale of loans | $114K+356.0% | $25K+1150.0% | $2K+0.0% | $2K-98.5% | $130K |
| Securities gains, net | $0-100.0% | $7K+100.2% | -$4.2M-458.6% | -$747K-239.6% | $535K |
| Gain on sale of land, building and equipment | $0-100.0% | $2.5M+126200.0% | -$2K | — | — |
| Income from bank-owned life insurance | $107K+1.9% | $105K+2.9% | $102K+2.0% | $100K-4.8% | $105K |
| Loan servicing fee income | $29K-39.6% | $48K-37.7% | $77K-38.9% | $126K-22.7% | $163K |
| Investment services fees | $450K+4.4% | $431K+29.8% | $332K+1.2% | $328K+32.8% | $247K |
| Other income | $48K+9.1% | $44K-6.4% | $47K+17.5% | $40K-35.5% | $62K |
| Total non-interest income | $1.8M-55.1% | $3.9M+294.5% | -$2.0M-326.0% | $888K-60.5% | $2.2M |
| Salaries and employee benefits | $9.0M+4.3% | $8.6M-11.1% | $9.7M-9.5% | $10.7M+36.3% | $7.8M |
| Equity compensation expense | $944K+45.7% | $648K | — | — | — |
| Director compensation | $425K+23.2% | $345K+0.6% | $343K+5.9% | $324K+25.1% | $259K |
| Occupancy expense | $1.4M+42.6% | $972K+28.2% | $758K+3.6% | $732K+14.9% | $637K |
| Equipment expense | $285K-19.0% | $352K-22.8% | $456K-6.6% | $488K-10.9% | $548K |
| Marketing | $409K-2.4% | $419K-20.9% | $530K-11.4% | $598K+65.7% | $361K |
| Data processing | $1.6M+9.0% | $1.5M-5.9% | $1.6M+14.0% | $1.4M-0.5% | $1.4M |
| Deposit insurance fees | $440K+10.3% | $399K+55.3% | $257K+66.9% | $154K+23.2% | $125K |
| Professional fees and assessments | $1.1M-8.2% | $1.2M+15.8% | $1.0M+3.2% | $983K+17.9% | $834K |
| Debit card fees | $182K+42.2% | $128K-33.0% | $191K+3.8% | $184K-6.1% | $196K |
| Employee travel and education expenses | $191K+7.9% | $177K-14.9% | $208K+5.1% | $198K+65.0% | $120K |
| Other expense | $995K-14.2% | $1.2M+14.3% | $1.0M-1.7% | $1.0M+35.6% | $762K |
| Total non-interest expense | $16.9M+6.7% | $15.9M-1.0% | $16.0M-4.4% | $16.8M+28.2% | $13.1M |
| (Loss) income before income tax (benefit) expense | -$1.5M-10692.9% | $14K+100.2% | -$6.7M-560.6% | -$1.0M-131.5% | $3.2M |
| Income tax (benefit) expense | -$638K-221.1% | $527K-86.6% | $3.9M+974.5% | -$451K-175.0% | $601K |
| Net loss | -$845K-64.7% | -$513K+95.2% | -$10.7M-1786.0% | -$565K-121.6% | $2.6M |
| Basic | $3.7M-15.2% | $4.3M-6.8% | $4.7M-3.5% | $4.8M-17.1% | $5.8M |
| Diluted | $3.7M-15.2% | $4.3M-6.8% | $4.7M-3.5% | $4.8M-17.1% | $5.8M |
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.