| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Interest and fees on loans | $108.9M+2.1% | $106.7M+8.4% | $98.4M+33.6% | $73.6M |
| Interest and dividends on securities held-to-maturity | $6K+0.0% | $6K+0.0% | $6K+0.0% | $6K |
| Interest and dividends on securities available-for-sale | $3.6M-2.3% | $3.7M-24.6% | $4.9M-16.9% | $6.0M |
| Dividends on restricted stock | $450K-26.4% | $611K-5.4% | $646K+58.3% | $408K |
| Interest on deposits at other financial institutions | $5.4M+134.7% | $2.3M-13.2% | $2.6M+285.5% | $685K |
| Total interest and dividend income | $118.4M+4.5% | $113.3M+6.3% | $106.6M+32.1% | $80.7M |
| Interest on deposits | $52.0M-2.2% | $53.2M+12.4% | $47.3M+279.7% | $12.5M |
| Interest on federal funds purchased | $0-100.0% | $2K-81.8% | $11K-98.4% | $688K |
| Interest on short-term debt | $1.5M-57.9% | $3.5M-9.0% | $3.8M+206.4% | $1.3M |
| Interest on subordinated notes | $1.1M+10.4% | $1.0M-0.3% | $1.0M-0.1% | $1.0M |
| Total interest expense | $54.6M-5.4% | $57.7M+10.5% | $52.2M+238.2% | $15.4M |
| Net Interest Income | $63.8M+14.7% | $55.6M+2.2% | $54.4M-16.6% | $65.2M |
| Provision for credit losses | $1.6M+26383.3% | $6K-95.5% | $132K-95.0% | $2.6M |
| Net interest income after provision for (recovery of) credit losses | $62.2M+11.9% | $55.6M+2.4% | $54.3M-13.3% | $62.6M |
| Total noninterest income | $3.6M+43.5% | $2.5M+119.0% | -$13.4M-571.8% | $2.8M |
| Service charges on deposit accounts | $1.2M+10.8% | $1.1M+9.5% | $1.0M+7.8% | $954K |
| BOLI income | $289K-27.2% | $397K-72.7% | $1.5M+21.0% | $1.2M |
| Income from minority membership interests | $1.2M+231.6% | $376K+133.9% | -$1.1M-3263.6% | -$33K |
| Gain on termination of derivative instruments | $91K | $0+100.0% | -$15.6M | $0 |
| Other income | $762K+20.0% | $635K-24.1% | $837K+17.4% | $713K |
| Salaries and employee benefits | $20.1M+7.3% | $18.8M-9.2% | $20.6M+1.6% | $20.3M |
| Occupancy and equipment expense | $2.1M+4.0% | $2.0M-14.0% | $2.4M+7.6% | $2.2M |
| Data processing and network administration | $2.2M-17.8% | $2.7M+10.2% | $2.5M+7.2% | $2.3M |
| Internet banking and software expense | $3.5M+15.4% | $3.0M+19.4% | $2.5M+46.7% | $1.7M |
| State franchise taxes | $2.3M-0.6% | $2.4M+0.9% | $2.3M+14.8% | $2.0M |
| FDIC insurance | $1.1M-16.9% | $1.3M-7.8% | $1.4M+131.1% | $620K |
| Marketing, business development and advertising | $796K-17.9% | $969K+33.8% | $724K | — |
| Loan Processing Fee (Income) | $1.1M+20.6% | $899K+9090.0% | -$10K-101.8% | $555K |
| Directors Fees | $630K-1.1% | $637K-3.5% | $660K-1.2% | $668K |
| Core deposit intangible amortization | $125K-24.2% | $165K-19.5% | $205K-21.8% | $262K |
| Other operating expenses | $3.6M+19.8% | $3.0M-10.7% | $3.3M+42.6% | $2.3M |
| Total noninterest expenses | $37.6M+4.9% | $35.8M-2.3% | $36.7M+6.4% | $34.5M |
| Net income | $22.1M+46.4% | $15.1M+294.1% | $3.8M-84.7% | $25.0M |
| Net income before income tax expense | $28.2M+26.7% | $22.3M+426.9% | $4.2M-86.3% | $31.0M |
| Income tax expense | $6.2M-14.4% | $7.2M+1664.1% | $410K-93.2% | $6.0M |
| Earnings per share, basic | $1.22+47.0% | $0.83+277.3% | $0.22-84.6% | $1.43 |
| Earnings per share, diluted | $1.21+47.6% | $0.82+290.5% | $0.21-84.4% | $1.35 |
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.