| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Interest and fees on loans | $315.0M+16.3% | $270.8M+27.6% | $212.2M+86.0% | $114.1M |
| Interest on investment securities | $9.5M+38.7% | $6.9M+43.6% | $4.8M-4.2% | $5.0M |
| Interest and dividends on cash equivalents and other | $11.2M-24.6% | $14.9M+186.9% | $5.2M+164.2% | $2.0M |
| Total interest and dividend income | $335.7M+14.8% | $292.5M+31.7% | $222.2M+83.6% | $121.0M |
| Interest on deposits | $132.9M+4.7% | $126.9M+66.1% | $76.4M+502.0% | $12.7M |
| Interest on borrowings | $5.4M+23.1% | $4.4M-68.7% | $14.1M+391.4% | $2.9M |
| Total interest expense | $138.3M+5.3% | $131.3M+45.2% | $90.4M+481.7% | $15.5M |
| NET INTEREST INCOME | $197.5M+22.5% | $161.2M+22.4% | $131.7M+24.9% | $105.5M |
| Provision for credit losses - loans | $4.7M-68.7% | $14.9M+54.6% | $9.7M+44.1% | $6.7M |
| (Release of) provision for credit losses - unfunded commitments | -$24K+99.1% | -$2.8M-166.5% | $4.2M | — |
| Total provision for credit losses | $4.7M-61.6% | $12.1M-12.7% | $13.9M+107.2% | $6.7M |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | $192.8M+29.3% | $149.1M+26.5% | $117.8M+19.3% | $98.8M |
| Customer service fees | $10.5M+35.0% | $7.8M+2.5% | $7.6M+57.2% | $4.8M |
| Increase in cash surrender value of BOLI | $3.3M+45.1% | $2.3M+50.3% | $1.5M+30.5% | $1.2M |
| Mortgage banking income | $53K-94.8% | $1.0M+76.1% | $581K-2.4% | $595K |
| Swap contract income | $1.5M-9.8% | $1.7M-22.9% | $2.2M+70.6% | $1.3M |
| Loss on sale of available-for-sale securities, net | -$1.9M | — | — | — |
| Employee retention credit income | $3.5M | — | — | — |
| Other income | $852K-49.6% | $1.7M+2543.8% | $64K+190.9% | $22K |
| Total noninterest income | $16.2M+29.0% | $12.6M-18.2% | $15.4M+71.8% | $8.9M |
| Salaries and employee benefits | $77.5M+15.2% | $67.3M-1.6% | $68.3M+44.0% | $47.5M |
| Director and professional service fees | $10.5M+22.2% | $8.6M+38.0% | $6.2M+31.0% | $4.8M |
| Occupancy and equipment expenses | $6.6M+17.5% | $5.6M+7.5% | $5.2M+19.2% | $4.4M |
| Data processing expenses | $11.5M+27.6% | $9.0M+20.3% | $7.5M+31.1% | $5.7M |
| Marketing and charitable contribution expenses | $3.8M+10.9% | $3.5M-85.0% | $23.1M+578.1% | $3.4M |
| FDIC and state insurance assessments | $3.4M+18.5% | $2.8M-39.5% | $4.7M+157.4% | $1.8M |
| Merger and acquisition expenses | $17.3M | — | — | — |
| General and administrative expenses | $7.3M+17.3% | $6.2M-0.6% | $6.3M+66.1% | $3.8M |
| Total noninterest expense | $137.9M+33.8% | $103.0M-15.1% | $121.3M+70.1% | $71.3M |
| INCOME BEFORE TAXES | $71.1M+21.3% | $58.6M+394.9% | $11.8M-67.5% | $36.4M |
| INCOME TAX EXPENSE | $20.8M+26.5% | $16.5M+715.7% | $2.0M-68.1% | $6.3M |
| NET INCOME | $50.3M+19.3% | $42.1M+329.0% | $9.8M-67.3% | $30.1M |
| Weighted average common shares outstanding, basic | 37.41B-5.0% | 39.39B-6.3% | 42.02B | — |
| Weighted average common shares outstanding, diluted | 37.63B-4.5% | 39.39B-6.3% | 42.02B | — |
| Earnings per share, basic | $1340.00+25.2% | $1070.00+365.2% | $230.00 | — |
| Earnings per share, diluted | $1340.00+25.2% | $1070.00+365.2% | $230.00 | — |
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.