| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Interest and fees on loans | $115.8M+9.2% | $106.0M+10.1% | $96.3M+38.9% | $69.3M+20.5% | $57.5M+21.0% | $47.5M |
| Taxable | $10.6M-9.1% | $11.7M-8.3% | $12.7M+28.9% | $9.9M+101.4% | $4.9M+5.4% | $4.7M |
| Tax exempt | $2.1M-6.8% | $2.3M+0.8% | $2.3M-0.0% | $2.3M+40.1% | $1.6M+64.2% | $994K |
| Interest on Federal funds sold and other | $6.4M-11.0% | $7.2M+11.1% | $6.5M+137.2% | $2.7M+636.3% | $372K+26.5% | $294K |
| TOTAL INTEREST INCOME | $135.0M+6.1% | $127.2M+8.0% | $117.8M+39.8% | $84.2M+30.7% | $64.4M+20.5% | $53.5M |
| Savings and NOW accounts | $21.0M+2.5% | $20.5M+56.0% | $13.1M+219.1% | $4.1M+73.5% | $2.4M-30.1% | $3.4M |
| Time deposits | $6.3M-15.4% | $7.4M+15.7% | $6.4M+1747.7% | $346K-32.3% | $511K-44.3% | $917K |
| FHLB advances | $2.2M-67.2% | $6.7M-25.4% | $8.9M+1392.2% | $599K | — | — |
| Subordinated notes | $1.5M+63.6% | $921K-0.1% | $922K-0.1% | $923K+0.4% | $919K+273.6% | $246K |
| TOTAL INTEREST EXPENSE | $30.9M-12.8% | $35.5M+20.7% | $29.4M+378.9% | $6.1M+54.6% | $4.0M-16.0% | $4.7M |
| NET INTEREST INCOME | $104.1M+13.4% | $91.8M+3.8% | $88.4M+13.2% | $78.1M+29.2% | $60.5M+24.1% | $48.7M |
| Provision (recovery) for credit losses - investments | -$1.9M | — | $5.0M | — | — | — |
| Provision for credit losses - loans | $7.7M-19.4% | $9.6M+235.1% | $2.9M-69.9% | $9.5M | — | — |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | $96.3M+14.6% | $84.1M+4.4% | $80.5M+17.4% | $68.6M+18.2% | $58.0M+33.9% | $43.3M |
| Service charges on deposit accounts | $1.4M+34.4% | $1.0M+25.5% | $809K+16.7% | $693K+8.6% | $638K-6.5% | $682K |
| Trust income | $6.6M+18.9% | $5.5M+8.1% | $5.1M+7.0% | $4.8M-0.5% | $4.8M+17.5% | $4.1M |
| Investment advisory income | $7.6M+12.1% | $6.7M+28.6% | $5.2M+15.5% | $4.5M-6.5% | $4.9M+18.2% | $4.1M |
| Investment securities gains(losses), net | -$568K | — | — | — | — | — |
| Earnings on bank owned life insurance | $878K+7.7% | $815K-17.2% | $984K+3.6% | $950K+19.8% | $793K+13.0% | $702K |
| Proceeds from bank owned life insurance benefit | $3.6M | — | — | — | — | — |
| Gain on sale of assets | $1.2M | — | — | — | — | — |
| Other | $5.0M-29.4% | $7.0M+59.5% | $4.4M+23.8% | $3.6M+28.1% | $2.8M+3.2% | $2.7M |
| TOTAL NONINTEREST INCOME | $23.1M+44.9% | $16.0M+19.0% | $13.4M+11.9% | $12.0M-0.9% | $12.1M+5.9% | $11.4M |
| Salaries | $28.4M+3.3% | $27.5M+11.0% | $24.7M+10.2% | $22.5M+14.0% | $19.7M+10.8% | $17.8M |
| Employee benefits | $9.6M+7.7% | $8.9M+20.2% | $7.4M+33.3% | $5.6M+71.3% | $3.3M-21.8% | $4.2M |
| Occupancy expense | $5.1M+7.1% | $4.8M+0.6% | $4.8M+6.6% | $4.5M+10.1% | $4.1M+8.4% | $3.7M |
| Professional fees | $6.2M+4.4% | $5.9M+24.8% | $4.8M+16.9% | $4.1M+11.4% | $3.6M+10.0% | $3.3M |
| Directors' fees and expenses | $1.2M+18.2% | $1.1M-27.4% | $1.5M+25.4% | $1.2M+11.1% | $1.0M-4.3% | $1.1M |
| Computer software expense | $7.8M+31.3% | $6.0M+17.9% | $5.0M+5.1% | $4.8M-7.1% | $5.2M+28.0% | $4.0M |
| FDIC assessment | $1.3M+0.9% | $1.3M-6.8% | $1.4M-0.6% | $1.4M+17.8% | $1.2M+31.6% | $910K |
| Advertising expenses | $2.0M+25.3% | $1.6M-4.9% | $1.7M+3.5% | $1.6M+31.2% | $1.2M+2.4% | $1.2M |
| Advisor expenses related to trust income | $90K-20.4% | $113K-5.8% | $120K-44.2% | $215K-59.7% | $533K+17.1% | $455K |
| Telephone expenses | $868K+16.4% | $746K+4.8% | $712K+4.9% | $679K+22.1% | $556K+0.7% | $552K |
| Intangible amortization | $286K+0.0% | $286K+0.4% | $285K-0.3% | $286K+0.4% | $285K-0.3% | $286K |
| TOTAL NONINTEREST EXPENSE | $67.9M+4.1% | $65.2M+14.8% | $56.8M+12.9% | $50.3M+15.7% | $43.5M+8.0% | $40.2M |
| Income before income taxes | $51.6M+48.1% | $34.8M-6.3% | $37.1M+22.7% | $30.3M+13.5% | $26.7M+83.8% | $14.5M |
| Provision for income taxes | $9.9M+43.4% | $6.9M-9.6% | $7.7M+29.7% | $5.9M+9.7% | $5.4M+89.9% | $2.8M |
| NET INCOME | $41.6M+49.2% | $27.9M-5.4% | $29.5M+21.0% | $24.4M+14.5% | $21.3M+82.3% | $11.7M |
| Basic earnings per share (in dollars per share) | $3330.00+34.8% | $2470.00-5.7% | $2620.00-39.5% | $4330.00+101068.2% | $4.28+65.3% | $2.59 |
| Diluted earnings per share (in dollars per share) | $3330.00+34.8% | $2470.00-5.7% | $2620.00-39.5% | $4330.00+101068.2% | $4.28+65.3% | $2.59 |
| Weighted average shares outstanding, Basic (in shares) | 12.51B+10.7% | 11.30B+0.4% | 11.26B+100.3% | 5.62B+13.1% | 4.97B+10.2% | 4.51B |
| Weighted average shares outstanding, Diluted (in shares) | 12.51B+10.7% | 11.30B+100.8% | 5.63B+0.1% | 5.62B+13.1% | 4.97B+10.2% | 4.51B |
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.