| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Loans, including fees | $7.5M+9.8% | $6.8M+55.6% | $4.4M+20.5% | $3.6M+1.4% | $3.6M-12.7% | $4.1M |
| Taxable | $1.5M-4.9% | $1.5M-38.6% | $2.5M+24.5% | $2.0M+81.8% | $1.1M-3.4% | $1.1M |
| Tax-exempt | $241K-1.2% | $244K-38.4% | $396K-1.5% | $402K+62.1% | $248K-8.5% | $271K |
| Federal funds sold and other | $1.7M+7.7% | $1.6M+363.5% | $348K+34.4% | $259K+640.0% | $35K-72.7% | $128K |
| Time deposits with other financial institutions | $65K-23.5% | $85K-9.6% | $94K+129.3% | $41K-37.9% | $66K-82.6% | $379K |
| FHLB stock | $34K-10.5% | $38K+58.3% | $24K+60.0% | $15K+15.4% | $13K+0.0% | $13K |
| Total interest income | $11.0M+6.7% | $10.3M+33.3% | $7.7M+21.7% | $6.3M+26.0% | $5.0M-16.4% | $6.0M |
| Deposits | $3.4M+13.9% | $3.0M+124.6% | $1.3M+74.9% | $764K-18.7% | $940K-36.8% | $1.5M |
| Other borrowings | $113K-53.5% | $243K+41.3% | $172K | $0 | — | — |
| Total interest expense | $3.5M+8.8% | $3.2M+115.1% | $1.5M+97.4% | $764K | — | — |
| Net interest income | $7.5M+5.7% | $7.1M+13.5% | $6.2M+11.4% | $5.6M+36.3% | $4.1M-9.6% | $4.5M |
| (Reversal of) provision for credit losses | -$192K-370.4% | $71K-59.7% | $176K+176.5% | -$230K | — | — |
| Net interest income after provision for credit losses | $7.7M+9.5% | $7.0M+15.7% | $6.0M+4.0% | $5.8M+41.1% | $4.1M+1.2% | $4.1M |
| Gain on sale of mortgage loans | $1.6M+25.7% | $1.2M+3790.6% | $32K-69.8% | $106K-74.1% | $410K-48.0% | $788K |
| Rental income on office building | $65K+1.6% | $64K+0.0% | $64K+20.8% | $53K+26.2% | $42K+0.0% | $42K |
| Service charges on deposits | $252K-1.6% | $256K-5.2% | $270K-7.2% | $291K+0.7% | $289K+13.3% | $255K |
| Increase in cash surrender value of BOLI | $233K+5.9% | $220K+14.6% | $192K+7.9% | $178K-1.7% | $181K-1.1% | $183K |
| Other | $557K+9.6% | $508K+5.8% | $480K-3.4% | $497K+61.9% | $307K-16.3% | $367K |
| Total noninterest income | $2.3M+17.1% | $1.9M+268.8% | -$1.1M-193.0% | $1.2M+2.2% | $1.2M-24.0% | $1.6M |
| Salaries and employee benefits | $6.3M+5.5% | $5.9M+30.4% | $4.6M+18.4% | $3.8M+22.4% | $3.1M-14.9% | $3.7M |
| Equipment and occupancy | $875K+11.9% | $782K+5.8% | $739K+12.3% | $658K-1.1% | $665K-3.5% | $689K |
| Data processing | $951K+7.6% | $884K+29.2% | $684K+8.2% | $632K+3.1% | $613K+8.5% | $565K |
| Professional services | $570K+11.1% | $513K-14.6% | $601K+20.2% | $500K+259.7% | $139K-71.3% | $484K |
| Advertising | $141K-50.7% | $286K+175.0% | $104K+15.6% | $90K+26.8% | $71K+4.4% | $68K |
| Supervisory fees and assessments | $150K+5.6% | $142K+1.4% | $140K-1.4% | $142K+12.7% | $126K+7.7% | $117K |
| Loan expenses | $301K+42.0% | $212K+81.2% | $117K+36.0% | $86K-33.3% | $129K-8.5% | $141K |
| Deposit expenses | $292K+22.2% | $239K+10.1% | $217K+6.9% | $203K+10.9% | $183K+18.1% | $155K |
| Director fees | $210K-2.3% | $215K-0.5% | $216K-3.1% | $223K-0.9% | $225K | — |
| Total noninterest expense | $10.3M+6.1% | $9.7M+23.8% | $7.9M+14.2% | $6.9M+22.8% | $5.6M-10.8% | $6.3M |
| Loss before income taxes | -$386K+51.1% | -$789K+73.3% | -$3.0M-1809.8% | $173K+164.3% | -$269K+56.3% | -$615K |
| Income tax expense | $0 | $0-100.0% | $999K+584.2% | $146K+168.2% | -$214K+57.5% | -$503K |
| Net loss | -$386K+51.1% | -$789K+80.1% | -$4.0M-14755.6% | $27K+149.1% | -$55K+50.9% | -$112K |
| Basic and diluted loss per share (in dollars per share) | -$0.08+50.0% | -$0.16+79.7% | -$0.79-8000.0% | $0.01 | — | — |
| Weighted average shares outstanding (in shares) | 4.89B-0.5% | 4.91B-1.9% | 5.00B+5.8% | 4.73B | — | — |
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.