| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Interest and fees on loans | $135.2M+14.7% | $117.8M+11.1% | $106.1M+27.9% | $82.9M+2.8% | $80.6M-2.1% | $82.3M+9.5% | $75.2M |
| Interest and dividends on investments | $921K-11.6% | $1.0M-0.6% | $1.0M+35.8% | $772K+2.5% | $753K-25.3% | $1.0M-13.2% | $1.2M |
| Interest on deposits with banks | $6.6M+5.3% | $6.2M+11.5% | $5.6M+46.8% | $3.8M+463.8% | $676K-43.4% | $1.2M | — |
| Total interest income | $142.7M+14.0% | $125.1M+11.0% | $112.7M+28.8% | $87.5M+6.6% | $82.1M-2.9% | $84.5M+6.3% | $79.5M |
| Interest on deposits | $59.8M+4.4% | $57.3M+38.9% | $41.3M+272.7% | $11.1M+13.5% | $9.8M-44.9% | $17.7M-5.2% | $18.7M |
| Interest on borrowings | $6.4M-29.9% | $9.1M+25.8% | $7.2M+134.4% | $3.1M-3.7% | $3.2M-23.4% | $4.2M+5.4% | $4.0M |
| Total interest expense | $66.2M-0.3% | $66.4M+36.9% | $48.5M+242.5% | $14.2M+9.3% | $13.0M-40.8% | $21.9M-3.4% | $22.7M |
| Net interest income | $76.5M+30.2% | $58.7M-8.6% | $64.2M-12.4% | $73.3M+6.1% | $69.1M+10.3% | $62.6M+10.1% | $56.9M |
| Provision for credit losses | $2.5M+241.2% | $728K | — | — | — | — | — |
| Net interest income after provision for credit losses | $74.0M+27.6% | $58.0M-12.5% | $66.3M-7.4% | $71.5M+4.2% | $68.6M+24.8% | $55.0M+1.5% | $54.2M |
| Service fees on deposit accounts | $1.2M-11.2% | $1.4M-64.2% | $3.9M-21.4% | $4.9M-13.0% | $5.7M+124.6% | $2.5M+31.2% | $1.9M |
| Other loan fees | $676K-20.4% | $849K-0.2% | $851K-38.3% | $1.4M+2.5% | $1.3M+56.5% | $860K-12.4% | $982K |
| Bank owned life insurance income | $740K+13.0% | $655K-11.1% | $737K+29.8% | $568K-1.2% | $575K-2.9% | $592K-1.5% | $601K |
| Other | $759K-46.2% | $1.4M+18.1% | $1.2M+10.4% | $1.1M+14.9% | $942K+62.1% | $581K+24.9% | $465K |
| Total non-interest income | $3.4M-20.8% | $4.3M-35.7% | $6.7M-20.2% | $8.4M-4.7% | $8.8M+110.4% | $4.2M+9.0% | $3.8M |
| Labor and Related Expense | $13.3M+4.3% | $12.8M+3.5% | $12.3M+13.9% | $10.8M+11.3% | $9.7M-8.3% | $10.6M+15.5% | $9.2M |
| Professional services | $3.4M+25.6% | $2.7M+17.3% | $2.3M+3.5% | $2.2M-39.6% | $3.7M+87.4% | $2.0M+2.1% | $1.9M |
| Occupancy and equipment | $2.8M+6.2% | $2.6M-0.2% | $2.6M+3.3% | $2.5M+5.9% | $2.4M+17.2% | $2.0M+13.3% | $1.8M |
| Data processing | $1.5M+13.0% | $1.4M-1.4% | $1.4M+7.1% | $1.3M-1.0% | $1.3M+1.2% | $1.3M+23.3% | $1.0M |
| FDIC insurance and other assessments | $1.4M+10.9% | $1.3M+1.1% | $1.3M+23.0% | $1.1M-4.9% | $1.1M+37.1% | $805K+1337.5% | $56K |
| OREO expense | $649K-22.3% | $835K-0.5% | $839K+70.2% | $493K+71.8% | $287K+5.9% | $271K-34.7% | $415K |
| Other operating expense | $4.8M+10.2% | $4.4M-69.7% | $14.5M+168.6% | $5.4M+35.8% | $4.0M+20.3% | $3.3M-5.9% | $3.5M |
| Total non-interest expense | $28.0M+7.7% | $26.0M-26.3% | $35.3M+48.0% | $23.8M+5.9% | $22.5M+10.9% | $20.3M+13.1% | $18.0M |
| Income before income tax expense | $49.4M+36.1% | $36.3M-3.7% | $37.7M-32.8% | $56.1M+2.1% | $54.9M+41.2% | $38.9M-3.0% | $40.1M |
| Income tax expense | $11.6M+32.4% | $8.8M-4.8% | $9.2M-35.3% | $14.3M+2.3% | $13.9M+39.2% | $10.0M+2.3% | $9.8M |
| Net income attributable to Company | $37.8M+37.3% | $27.5M-3.3% | $28.5M-31.9% | $41.8M+2.6% | $40.8M+43.4% | $28.4M-4.7% | $29.8M |
| Less: Preferred stock dividend | -$20K+0.0% | -$20K+23.1% | -$26K+3.7% | -$27K+3.6% | -$28K+3.4% | -$29K-20.8% | -$24K |
| Net income available to common shareholders | $37.8M+37.3% | $27.5M-3.3% | $28.4M-32.0% | $41.8M+2.6% | $40.7M+43.4% | $28.4M-4.8% | $29.8M |
| Basic (in dollars per share) | $3.20+39.1% | $2.30-3.4% | $2.38-32.2% | $3.51+2.3% | $3.43+42.9% | $2.40-4.8% | $2.52 |
| Diluted (in dollars per share) | $3.16+39.2% | $2.27-3.4% | $2.35-31.7% | $3.44+2.4% | $3.36+41.8% | $2.37-4.4% | $2.48 |
| Basic (in shares) | 11.79B-1.3% | 11.95B+0.1% | 11.95B+0.2% | 11.92B+0.3% | 11.89B+0.3% | 11.85B+0.1% | 11.84B |
| Diluted (in shares) | 11.97B-1.4% | 12.14B+0.0% | 12.14B-0.3% | 12.18B+0.5% | 12.12B+1.1% | 11.99B-0.2% | 12.01B |
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.