| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Interest and fees on loans | $61.2M+5.7% | $57.8M+5.0% | $55.1M+24.0% | $44.4M+7.4% | $41.4M-2.0% | $42.2M |
| Interest and dividends on securities | $5.1M+19.6% | $4.3M-3.1% | $4.4M+14.6% | $3.8M+72.4% | $2.2M+4.6% | $2.1M |
| Other interest income | $2.6M+134.1% | $1.1M-5.1% | $1.2M+260.9% | $325K+209.5% | $105K+123.4% | $47K |
| Total interest and dividend income | $68.9M+8.9% | $63.2M+4.2% | $60.7M+24.8% | $48.6M+11.2% | $43.7M-1.6% | $44.4M |
| Interest expense on deposits | $20.5M-3.6% | $21.3M+20.9% | $17.6M+214.0% | $5.6M+55.8% | $3.6M-46.0% | $6.7M |
| Interest expense on borrowings | $2.0M-53.6% | $4.2M-16.6% | $5.1M+343.4% | $1.1M+66.9% | $686K-49.1% | $1.3M |
| Total interest expense | $22.5M-11.9% | $25.5M+12.5% | $22.7M+235.9% | $6.8M+57.6% | $4.3M-46.5% | $8.0M |
| Net interest income | $46.4M+23.1% | $37.7M-0.7% | $38.0M-9.3% | $41.8M+6.1% | $39.4M+8.3% | $36.4M |
| Provision for Credit Losses | $1.7M-40.8% | $2.8M+64.5% | $1.7M | — | — | — |
| Net interest income after provision for credit losses | $44.7M+28.2% | $34.9M-3.8% | $36.3M-10.3% | $40.4M-6.2% | $43.1M+47.3% | $29.2M |
| Service charges on deposit accounts | $3.0M-0.6% | $3.0M+4.2% | $2.9M+1.8% | $2.8M+9.5% | $2.6M+13.5% | $2.3M |
| Net realized loss on sales of securities | -$16.0M | — | — | — | -$4K+86.2% | -$29K |
| Net gain on sales of loans | $252K+57.5% | $160K+35.6% | $118K-86.3% | $864K-66.5% | $2.6M-31.4% | $3.8M |
| Increase in cash surrender value of life insurance | $780K+3.9% | $751K+12.9% | $665K+3.9% | $640K+12.1% | $571K+50.3% | $380K |
| Net gain from sale of other real estate owned | $4K | — | — | — | — | $498K |
| Net gain (loss) on disposal of premises and equipment | $9K+150.0% | -$18K-139.1% | $46K+221.1% | -$38K-323.5% | $17K+30.8% | $13K |
| Gain on life insurance | $413K | — | $221K | — | — | — |
| Investment advisory income | $1.5M-1.4% | $1.5M+31.6% | $1.2M-5.6% | $1.2M+9.1% | $1.1M-12.3% | $1.3M |
| Other | $7.1M+9.7% | $6.5M-0.9% | $6.5M+8.9% | $6.0M-1.9% | $6.1M+18.1% | $5.2M |
| Total non-interest income (loss) | $7.0M+177.6% | -$9.0M-255.4% | $5.8M-2.0% | $5.9M-20.6% | $7.4M-10.6% | $8.3M |
| Salaries and employee benefits | $21.6M+6.1% | $20.4M+4.7% | $19.5M-9.9% | $21.6M+7.4% | $20.1M+19.7% | $16.8M |
| Occupancy | $4.4M+2.1% | $4.3M+0.2% | $4.3M-7.1% | $4.6M+11.1% | $4.1M+16.3% | $3.5M |
| Data processing | $2.2M+7.1% | $2.0M+1.3% | $2.0M+7.1% | $1.9M+7.9% | $1.7M+24.7% | $1.4M |
| Professional fees | $1.8M-6.4% | $1.9M+0.6% | $1.9M+10.1% | $1.7M-5.4% | $1.8M+11.8% | $1.6M |
| Marketing | $859K+46.1% | $588K+5.9% | $555K-19.9% | $693K-2.1% | $708K+39.9% | $506K |
| FDIC deposit insurance and other insurance | $1.0M-5.7% | $1.1M-10.3% | $1.2M+48.6% | $829K+7.8% | $769K-3.5% | $797K |
| Amortization of intangible assets | $60K-25.0% | $80K-9.1% | $88K-11.1% | $99K+3.1% | $96K+128.6% | $42K |
| Total non-interest expense | $39.0M+5.9% | $36.8M+1.2% | $36.4M-2.7% | $37.4M+5.4% | $35.5M+18.1% | $30.1M |
| Net income (loss) before income taxes | $12.7M+216.0% | -$10.9M-294.8% | $5.6M-36.9% | $8.9M-40.7% | $15.0M+100.5% | $7.5M |
| Net Provision (Benefit) for Income Taxes | $2.6M+213.9% | -$2.3M-290.1% | $1.2M-35.8% | $1.9M-44.7% | $3.4M+120.2% | $1.6M |
| Net income (loss) | $10.0M+216.5% | -$8.6M-296.1% | $4.4M-37.2% | $7.0M-39.5% | $11.6M+95.3% | $5.9M |
| Basic (in dollars per share) | $930.00+216.3% | -$800.00-295.1% | $410.00-36.9% | $650.00+60647.7% | $1.07+94.5% | $0.55 |
| Diluted (in dollars per share) | $920.00+215.0% | -$800.00-300.0% | $400.00-37.5% | $640.00+60277.4% | $1.06+92.7% | $0.55 |
| Weighted average shares outstanding, basic (in shares) | 10.81B+0.4% | 10.76B-0.3% | 10.79B-0.5% | 10.84B+0.7% | 10.77B+0.4% | 10.73B |
| Weighted average shares outstanding, diluted (in shares) | 10.96B+1.9% | 10.76B-0.9% | 10.86B-1.4% | 11.00B+0.5% | 10.95B+2.0% | 10.74B |
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.