| Metric | FY2025 | FY2024 |
|---|---|---|
| Loans, including fees | $32.8M+6.7% | $30.7M |
| Investment securities, taxable | $643K-15.9% | $765K |
| Investment securities, tax-exempt | $830K-4.2% | $866K |
| Interest-earning deposits | $2.0M-16.7% | $2.5M |
| Total Interest Income | $36.3M+4.2% | $34.8M |
| Deposits | $11.6M-11.7% | $13.1M |
| Long-term debt | $108K-82.6% | $621K |
| Finance Lease and Other | $60K+39.5% | $43K |
| Total Interest Expense | $11.7M-14.7% | $13.7M |
| Net Interest Income | $24.6M+16.6% | $21.1M |
| Provision for Credit Losses | -$180K+87.8% | -$1.5M |
| Net Interest Income After Provision for Credit Losses | $24.7M+9.8% | $22.5M |
| Service charges and fees | $1.1M-4.4% | $1.1M |
| Debit card fees | $780K-4.4% | $816K |
| Earnings on bank-owned life insurance | $1.1M+6.9% | $1.1M |
| Gains on equity securities | $150K+177.8% | $54K |
| Recovery on previously impaired investment securities | $4K-33.3% | $6K |
| Gain on sale of securities available for sale | $10K | — |
| Earnings on annuity assets | $58K-64.0% | $161K |
| Other | $1.0M+3.0% | $976K |
| Total Non-Interest Income | $3.3M-0.9% | $3.3M |
| Salaries and employee benefits | $11.6M+1.4% | $11.5M |
| Occupancy and equipment | $2.6M-4.7% | $2.7M |
| Data processing | $1.9M+8.2% | $1.8M |
| Professional services | $1.1M-21.5% | $1.4M |
| Telephone and communications | $321K-26.0% | $434K |
| FDIC insurance | $303K-61.9% | $796K |
| Postage and supplies | $310K+12.3% | $276K |
| Advertising | $58K-38.3% | $94K |
| Total Non-Interest Expense | $19.3M-3.6% | $20.0M |
| Income before Income Taxes | $8.8M+49.2% | $5.9M |
| Income Tax Expense | $1.5M+58.6% | $935K |
| Net Income | $7.3M+47.4% | $4.9M |
| Earnings Per Common Share: Basic | $0.97+49.2% | $0.65 |
| Earnings Per Common Share: Diluted | $0.97+49.2% | $0.65 |
| Dividends declared per share | $0.31-22.5% | $0.40 |
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.