| Metric | FY2025 | FY2024 |
|---|---|---|
| Interest and fees on loans | $73.6M+11.1% | $66.3M |
| Interest on deposits with other financial institutions | $4.7M+2.9% | $4.6M |
| Taxable interest on investment securities | $5.5M+38.6% | $4.0M |
| Other interest bearing balances | $460K+22.7% | $375K |
| Total interest income | $84.3M+12.1% | $75.2M |
| Interest on deposits | $32.5M+16.9% | $27.8M |
| Interest on short-term borrowings | $0-100.0% | $113K |
| Interest on subordinated debt | $1.1M-2.0% | $1.1M |
| Total interest expense | $33.6M+15.7% | $29.0M |
| Net interest income | $50.7M+9.8% | $46.2M |
| PROVISION FOR CREDIT LOSSES | $3.9M+71.6% | $2.2M |
| Net interest income after provision for credit losses | $46.9M+6.7% | $44.0M |
| Gain on sale of loans | $12.3M+2.2% | $12.1M |
| Loan servicing income | $3.2M+80.9% | $1.8M |
| Service charges and fees | $228K+23.9% | $184K |
| Net interchange fees | $7.8M+476.6% | $1.3M |
| Net gain on sales of investment securities | $426K | $0 |
| Other income | $1.4M+65.9% | $818K |
| Total noninterest income | $25.3M+56.2% | $16.2M |
| Salaries and employee benefits | $25.5M+13.9% | $22.3M |
| Data processing | $6.1M+65.4% | $3.7M |
| Occupancy expense | $1.6M-2.8% | $1.7M |
| Legal and professional fees | $2.3M+4.1% | $2.2M |
| Loan related costs | $2.1M+22.6% | $1.7M |
| Audits and exams | $1.3M+104.1% | $659K |
| Advertising and marketing | $2.8M+393.4% | $562K |
| FDIC insurance | $520K+14.5% | $454K |
| Other | $2.9M-1.9% | $2.9M |
| Total noninterest expense | $45.1M+24.4% | $36.2M |
| INCOME BEFORE PROVISION FOR INCOME TAXES | $27.1M+13.3% | $23.9M |
| Provision for income taxes | $6.0M+14.1% | $5.3M |
| NET INCOME BEFORE EQUITY INVESTMENT LOSS | $21.1M+13.1% | $18.6M |
| Net loss attributable to equity investment | -$145K | $0 |
| Net income | $20.9M+12.3% | $18.6M |
| Basic earnings per share | $1460.00+3.5% | $1410.00 |
| Diluted earnings per share | $1440.00+3.6% | $1390.00 |
| Weighted-average basic shares outstanding | 14.29B+8.3% | 13.20B |
| Weighted-average diluted shares outstanding | 14.48B+7.9% | 13.43B |
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.