| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Loans, including fees | $49.9M+15.8% | $43.1M+22.4% | $35.2M+26.5% | $27.8M+1.1% | $27.6M+7.5% | $25.6M |
| Taxable | $4.5M-12.9% | $5.2M+96.3% | $2.6M+71.2% | $1.5M+75.9% | $877K-25.2% | $1.2M |
| Tax-exempt | $58K+0.0% | $58K+0.0% | $58K+41.5% | $41K+720.0% | $5K | — |
| Federal Home Loan Bank of New York stock | $211K-4.1% | $220K+58.3% | $139K+78.2% | $78K-17.9% | $95K-25.8% | $128K |
| Total interest and dividend income | $54.7M+12.6% | $48.6M+27.6% | $38.1M+29.0% | $29.5M+3.4% | $28.5M+5.9% | $26.9M |
| Deposits | $21.8M+10.3% | $19.7M+107.9% | $9.5M+358.4% | $2.1M-9.5% | $2.3M-52.1% | $4.8M |
| Borrowings | $1.1M+20.9% | $872K+3.1% | $846K+104.3% | $414K-36.7% | $654K-12.0% | $743K |
| Total interest expense | $22.8M+10.7% | $20.6M+99.3% | $10.3M+316.0% | $2.5M-15.5% | $2.9M-46.7% | $5.5M |
| Net interest and dividend income | $31.9M+14.0% | $28.0M+0.9% | $27.7M+2.6% | $27.0M+5.6% | $25.6M+19.5% | $21.4M |
| Provision for credit losses-loans | $653K+258.8% | $182K-52.2% | $381K | — | — | — |
| Recovery for credit losses-unfunded commitments | -$251K-172.8% | -$92K | — | — | — | — |
| Total provision for credit losses | $402K+346.7% | $90K-76.4% | $381K | — | — | — |
| Net interest and dividend income after provision for credit losses | $31.5M+12.9% | $27.9M+1.9% | $27.4M+2.4% | $26.7M+11.5% | $24.0M+21.3% | $19.7M |
| Service charges | $1.4M+26.8% | $1.1M-28.7% | $1.6M+34.0% | $1.2M+3.9% | $1.1M+26.9% | $901K |
| Income on bank owned life insurance | $673K+55.4% | $433K+17.0% | $370K-0.5% | $372K+17.4% | $317K-2.2% | $324K |
| Interest rate swap fees | $179K | — | — | $76K-75.7% | $313K | — |
| Other operating income | $58K-28.4% | $81K-9.0% | $89K+2.3% | $87K-20.9% | $110K+3.8% | $106K |
| Gains on premises and equipment | $60K | — | $9K | — | — | — |
| Gains on SBA loans | $1.1M+89.5% | $599K+6.0% | $565K-38.9% | $925K+23.5% | $749K+136.3% | $317K |
| Net gains on OREO | $229K-82.5% | $1.3M | — | — | — | — |
| Total other income | $3.7M+2.8% | $3.6M+34.7% | $2.7M-1.2% | $2.7M-20.4% | $3.4M+98.7% | $1.7M |
| Other expenses | $2.4M+0.7% | $2.4M+9.4% | $2.1M+11.1% | $1.9M+22.1% | $1.6M+9.7% | $1.4M |
| Compensation and employee benefits | $12.7M+7.6% | $11.8M+6.2% | $11.1M+6.2% | $10.5M-1.3% | $10.6M+3.3% | $10.3M |
| Occupancy expenses | $3.5M+5.7% | $3.3M+2.8% | $3.2M+5.7% | $3.0M+0.5% | $3.0M+0.2% | $3.0M |
| Professional fees | $705K-11.2% | $794K+5.2% | $755K-28.9% | $1.1M-38.2% | $1.7M+10.3% | $1.6M |
| Director fees and benefits | $787K-0.3% | $789K+0.6% | $784K+43.6% | $546K | — | — |
| Data processing expenses | $471K-13.1% | $542K-6.4% | $579K+4.1% | $556K+5.3% | $528K-10.4% | $589K |
| Marketing and business development | $438K+9.0% | $402K+9.8% | $366K-18.1% | $447K+97.8% | $226K | — |
| FDIC deposit insurance premiums | $451K+7.1% | $421K+23.8% | $340K+58.1% | $215K-49.1% | $422K-11.9% | $479K |
| Total other expenses | $21.4M+4.9% | $20.4M+5.7% | $19.3M+5.7% | $18.3M-2.0% | $18.6M+1.6% | $18.4M |
| Income before income tax expense | $13.8M+24.4% | $11.1M+3.3% | $10.7M-3.8% | $11.2M+28.0% | $8.7M+180.5% | $3.1M |
| Income tax expense | $4.0M+22.1% | $3.3M+9.4% | $3.0M-6.7% | $3.3M+24.8% | $2.6M+182.8% | $921K |
| Net income | $9.8M+25.4% | $7.8M+1.0% | $7.7M-2.7% | $7.9M+29.4% | $6.1M+179.5% | $2.2M |
| Earnings per share - basic (in Dollars per share) | $1.57+27.6% | $1.23+2.5% | $1.20+2.6% | $1.17+15.8% | $1.01 | — |
| Earnings per share - diluted (in Dollars per share) | $1.56+26.8% | $1.23+2.5% | $1.20+2.6% | $1.17 | — | — |
| Weighted average shares outstanding - basic (in Shares) | 6.22B-1.9% | 6.34B-1.3% | 6.42B-5.3% | 6.78B+12.3% | 6.04B | — |
| Weighted average shares outstanding - diluted (in Shares) | 6.24B-1.6% | 6.34B-1.3% | 6.42B-5.3% | 6.78B | — | — |
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.