| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Loans, including fees | $128.2M+11.2% | $115.2M+31.1% | $87.9M+44.5% | $60.8M+24.8% | $48.7M+3.5% | $47.1M |
| Investment securities | $13.7M+19.5% | $11.5M+14.7% | $10.0M+7.1% | $9.3M+18.5% | $7.9M+50.3% | $5.2M |
| Interest-bearing deposits in financial institutions | $3.6M-20.0% | $4.5M+44.7% | $3.1M+236.0% | $929K+776.4% | $106K-65.5% | $307K |
| Total interest income | $145.5M+10.9% | $131.2M+29.9% | $101.0M+42.1% | $71.1M+25.3% | $56.7M+7.8% | $52.6M |
| Interest-bearing checking deposits | $1.3M-15.0% | $1.5M+67.5% | $901K+947.7% | $86K+45.8% | $59K-62.7% | $158K |
| Savings and money markets deposits | $38.0M-5.2% | $40.1M+35.2% | $29.7M+473.3% | $5.2M+148.5% | $2.1M-32.7% | $3.1M |
| Time deposits | $18.1M+35.6% | $13.4M+57.1% | $8.5M+463.3% | $1.5M-1.4% | $1.5M-67.5% | $4.7M |
| Federal Home Loan Bank advances | $3.2M-48.9% | $6.3M+86.9% | $3.4M+405.2% | $671K+21.1% | $554K-48.4% | $1.1M |
| Subordinated notes | $1.2M | $0 | — | — | — | — |
| Total interest expense | $61.9M+0.9% | $61.3M+44.4% | $42.4M+470.6% | $7.4M+76.0% | $4.2M-53.2% | $9.0M |
| Net interest income before provision for credit losses | $83.6M+19.6% | $69.9M+19.4% | $58.6M-8.0% | $63.7M+21.3% | $52.5M+20.4% | $43.6M |
| Provision for credit losses | $2.3M-27.2% | $3.2M+33.4% | $2.4M-5.1% | $2.5M+1659.4% | -$160K+95.1% | -$3.3M |
| Net interest income after provision for credit losses | $81.3M+21.8% | $66.8M+18.8% | $56.2M-8.1% | $61.2M+16.2% | $52.7M+30.5% | $40.3M |
| Service fees | $9.6M+8.6% | $8.8M+74.9% | $5.1M+26.1% | $4.0M+11.1% | $3.6M+10.5% | $3.3M |
| (Loss) gain on sale of securities available for sale, net | -$7.5M-53857.1% | $14K+100.8% | -$1.9M+26.5% | -$2.5M-1281.8% | $214K-50.7% | $434K |
| Gain on sale of loans held for sale, net | $1.0M+34.0% | $747K-6.7% | $801K-10.1% | $891K-45.2% | $1.6M+93.8% | $839K |
| Other non-interest income | $3.5M+11.9% | $3.1M+152.0% | $1.2M-23.7% | $1.6M+62.3% | $1.0M-35.4% | $1.6M |
| Total non-interest income | $6.6M-48.3% | $12.7M+72.1% | $7.4M+41.6% | $5.2M-51.1% | $10.7M+75.5% | $6.1M |
| Salaries and employee benefits | $32.2M+11.7% | $28.8M+17.9% | $24.4M+2.0% | $23.9M+11.7% | $21.4M+11.6% | $19.2M |
| Occupancy | $5.3M+1.4% | $5.3M+0.5% | $5.2M+3.4% | $5.1M-3.8% | $5.3M-7.1% | $5.7M |
| Regulatory assessment and fees | $1.6M-7.3% | $1.8M+21.5% | $1.5M+56.2% | $930K+18.8% | $783K+13.3% | $691K |
| Consulting and legal fees | $1.9M+23.8% | $1.6M-17.4% | $1.9M+0.5% | $1.9M+30.0% | $1.5M+39.1% | $1.0M |
| Network and information technology services | $2.3M+16.6% | $2.0M-1.1% | $2.0M+11.6% | $1.8M+23.2% | $1.5M-4.6% | $1.5M |
| Other operating expense | $8.6M+12.3% | $7.7M+13.0% | $6.8M+42.3% | $4.8M+10.7% | $4.3M-12.2% | $4.9M |
| Total non-interest expense | $52.0M+10.6% | $47.0M+12.5% | $41.8M+6.4% | $39.3M+10.2% | $35.7M+8.0% | $33.0M |
| Net income before income tax expense | $35.9M+10.6% | $32.5M+49.0% | $21.8M-19.5% | $27.1M-2.1% | $27.7M+106.4% | $13.4M |
| Income tax expense | $9.8M+25.8% | $7.8M+48.6% | $5.3M-24.4% | $6.9M+5.2% | $6.6M+155.0% | $2.6M |
| Net income | $26.1M+5.8% | $24.7M+49.1% | $16.5M-17.9% | $20.1M-4.4% | $21.1M+94.8% | $10.8M |
| Net income available to common stockholders | $26.1M+5.8% | $24.7M+49.1% | $16.5M-17.9% | $20.1M+128.5% | -$70.6M-1017.5% | $7.7M |
| Net income per share, basic | $1340.00+7.2% | $1250.00+148709.5% | $0.84-16.8% | $1.01+100.0% | -$6720.00-545.0% | $1510.00 |
| Net income per share, diluted | $1330.00+107158.1% | $1.24+47.6% | $0.84-16.0% | $1.00+100.0% | -$6720.00-548.0% | $1500.00 |
| Weighted average shares outstanding: Basic | 19.43B+98630.9% | 19.7M+0.3% | 19.6M | — | — | — |
| Weighted average shares outstanding: Diluted | 19.65B+98989.3% | 19.8M+0.7% | 19.7M | — | — | — |
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.