| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Loans, including fees | $145.4M+3.8% | $140.0M+3.4% | $135.4M+42.3% | $95.2M |
| Loans accounted for under the fair value option | $311K-51.1% | $636K-52.4% | $1.3M-0.9% | $1.3M |
| Investment securities | $4.5M+68.5% | $2.7M+7.9% | $2.5M+20.0% | $2.1M |
| Interest-bearing deposits in other financial institutions | $9.0M+1.6% | $8.9M+55.8% | $5.7M+154.4% | $2.2M |
| Dividends, restricted stock | $576K+24.4% | $463K-25.3% | $620K+62.7% | $381K |
| Total interest and dividend income | $159.8M+4.7% | $152.7M+4.9% | $145.6M+43.8% | $101.2M |
| Deposits | $79.5M-3.7% | $82.5M+26.1% | $65.5M+403.1% | $13.0M |
| Other borrowed funds | $5.0M-14.3% | $5.8M-35.7% | $9.0M+111.2% | $4.3M |
| Total interest expense | $84.4M-4.4% | $88.3M+18.6% | $74.5M+331.1% | $17.3M |
| Net interest income | $75.4M+17.2% | $64.3M-9.5% | $71.1M-15.3% | $83.9M |
| Less: Provision for credit losses | $5.0M+160.0% | $1.9M-81.3% | $10.4M+181.2% | $3.7M |
| Net interest income, after provision for credit losses | $70.3M+12.7% | $62.4M+2.7% | $60.8M-24.3% | $80.2M |
| Trust and investment management fees | $18.5M-3.9% | $19.2M+2.2% | $18.8M-0.8% | $18.9M |
| Net gain on mortgage loans | $4.4M-9.5% | $4.9M+73.8% | $2.8M-38.4% | $4.6M |
| Net gain (loss) on loans held for sale | $222K+311.4% | -$105K+41.0% | -$178K-1383.3% | -$12K |
| Bank fees | $1.3M-33.9% | $2.0M+0.7% | $2.0M-24.0% | $2.7M |
| Risk management and insurance fees | $551K-66.9% | $1.7M+81.1% | $919K-25.3% | $1.2M |
| Income on company-owned life insurance | $455K+5.6% | $431K+14.0% | $378K+8.3% | $349K |
| Net gain (loss) on loans accounted for under the fair value option | $6K+100.6% | -$999K+50.3% | -$2.0M-125.6% | -$891K |
| Net gain on other real estate owned | $459K | $0 | — | — |
| Unrealized gain (loss) recognized on equity securities | $14K+142.4% | -$33K-50.0% | -$22K-106.4% | $342K |
| Other | $7.3M-1.3% | $7.4M+38.4% | $5.4M+18.2% | $4.5M |
| Total non-interest income | $26.6M-4.0% | $27.7M+26.1% | $21.9M-20.7% | $27.7M |
| Total income before non-interest expense | $96.9M+7.6% | $90.1M+8.9% | $82.7M-23.4% | $107.9M |
| Salaries and employee benefits | $46.1M+2.4% | $45.0M-0.4% | $45.2M-6.3% | $48.2M |
| Occupancy and equipment | $8.2M-0.7% | $8.3M+9.0% | $7.6M+1.0% | $7.5M |
| Professional services | $7.7M-3.3% | $8.0M+4.1% | $7.6M-3.3% | $7.9M |
| Technology and information systems | $4.3M+2.1% | $4.2M+19.2% | $3.5M-21.6% | $4.5M |
| Data processing | $4.8M+14.6% | $4.2M-7.9% | $4.5M+5.9% | $4.3M |
| Marketing | $1.2M+1.0% | $1.2M-21.6% | $1.5M+400.0% | $308K |
| Amortization of other intangible assets | $206K-8.8% | $226K-9.6% | $250K-18.8% | $308K |
| Total non-interest expense | $79.8M+1.7% | $78.5M+3.8% | $75.6M-4.4% | $79.1M |
| Income before income taxes | $17.1M+47.5% | $11.6M+64.0% | $7.1M-75.5% | $28.8M |
| Income tax expense | $3.9M+25.1% | $3.1M+69.2% | $1.8M-74.2% | $7.1M |
| Net income | $13.2M+55.6% | $8.5M | — | — |
| Basic (in dollars per share) | $1360.00+54.5% | $880.00+60.0% | $550.00-76.0% | $2290.00 |
| Diluted (in dollars per share) | $1340.00+54.0% | $870.00+61.1% | $540.00-75.8% | $2230.00 |
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.