| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Loans | $104.8M+1.6% | $103.1M+14.3% | $90.1M+43.2% | $62.9M-2.2% | $64.4M-11.4% | $72.6M+0.6% | $72.2M+7.9% | $67.0M |
| Mortgage-related securities | $5.2M+16.0% | $4.5M+10.9% | $4.1M+25.1% | $3.2M+65.9% | $2.0M-21.5% | $2.5M-16.5% | $3.0M+12.5% | $2.6M |
| Debt securities, federal funds sold and short-term investments | $6.1M+9.5% | $5.6M+12.0% | $5.0M+23.1% | $4.1M+14.2% | $3.6M+5.9% | $3.4M-25.7% | $4.5M+10.8% | $4.1M |
| Total interest income | $116.1M+2.6% | $113.2M+14.1% | $99.2M+41.2% | $70.2M+0.5% | $69.9M-11.0% | $78.5M-1.6% | $79.7M+8.2% | $73.7M |
| Deposits | $43.5M+7.3% | $40.6M+57.6% | $25.7M+429.3% | $4.9M+10.0% | $4.4M-69.2% | $14.4M-16.9% | $17.3M+48.6% | $11.6M |
| Borrowings | $15.9M-40.0% | $26.4M+13.6% | $23.3M+175.9% | $8.4M-15.3% | $9.9M-6.3% | $10.6M+3.4% | $10.3M+30.0% | $7.9M |
| Total interest expense | $59.4M-11.4% | $67.0M+36.8% | $49.0M+268.6% | $13.3M-7.5% | $14.4M-42.5% | $25.0M-9.3% | $27.5M+41.1% | $19.5M |
| Net interest income | $56.7M+22.9% | $46.2M-8.1% | $50.2M-11.8% | $57.0M+2.6% | $55.5M+3.8% | $53.5M+2.5% | $52.2M-3.7% | $54.2M |
| Provision (credit) for credit losses | -$1.4M-729.8% | -$168K-125.6% | $656K-32.2% | $968K+124.3% | -$4.0M-162.9% | $6.3M | — | — |
| Net interest income after provision (credit) for credit losses | $58.1M+25.4% | $46.3M-6.5% | $49.6M-11.5% | $56.0M-5.9% | $59.5M+26.2% | $47.2M-11.2% | $53.1M-3.9% | $55.2M |
| Service charges on loans and deposits | $2.1M+1.2% | $2.1M+13.2% | $1.8M-17.4% | $2.2M-33.8% | $3.3M-25.5% | $4.5M+88.8% | $2.4M+40.7% | $1.7M |
| Increase in cash surrender value of life insurance | $2.6M+30.1% | $2.0M+15.1% | $1.7M-1.6% | $1.7M+7.6% | $1.6M-15.2% | $1.9M-1.6% | $1.9M+4.7% | $1.8M |
| Mortgage banking income | $79.2M-5.2% | $83.6M+10.4% | $75.7M-24.0% | $99.6M-47.9% | $191.0M-18.1% | $233.2M+85.6% | $125.7M+11.1% | $113.2M |
| Other | $8.7M+21.0% | $7.2M-38.5% | $11.8M-6.5% | $12.6M+12.4% | $11.2M-7.3% | $12.1M+45.0% | $8.3M-19.1% | $10.3M |
| Total noninterest income | $85.2M-4.6% | $89.3M+10.0% | $81.2M-23.1% | $105.6M-48.1% | $203.2M-16.7% | $244.0M+86.6% | $130.8M+10.6% | $118.2M |
| Compensation, payroll taxes, and other employee benefits | $79.6M-1.8% | $81.1M-3.6% | $84.1M-15.5% | $99.6M-26.3% | $135.1M-2.8% | $139.0M+36.7% | $101.7M+4.0% | $97.8M |
| Occupancy, office furniture, and equipment | $7.2M-5.0% | $7.6M-9.0% | $8.3M-4.4% | $8.7M-9.4% | $9.6M-6.0% | $10.2M-3.6% | $10.6M-2.3% | $10.9M |
| Advertising | $2.9M-19.0% | $3.6M-6.0% | $3.8M-5.0% | $4.0M+12.7% | $3.5M-4.4% | $3.7M-5.0% | $3.9M-5.8% | $4.1M |
| Data processing | $4.9M-0.7% | $5.0M+7.0% | $4.7M+4.1% | $4.5M+13.2% | $4.0M+0.2% | $3.9M+8.6% | $3.6M+30.0% | $2.8M |
| Communications | $973K+5.5% | $922K-6.7% | $988K-16.9% | $1.2M-9.2% | $1.3M-1.5% | $1.3M-2.2% | $1.4M-15.6% | $1.6M |
| Professional fees | $2.8M-11.0% | $3.2M+18.5% | $2.7M+48.0% | $1.8M+42.4% | $1.3M-84.3% | $8.1M+125.2% | $3.6M+54.9% | $2.3M |
| Real estate owned | -$312K-1300.0% | $26K+550.0% | $4K-78.9% | $19K+533.3% | $3K+137.5% | -$8K+94.5% | -$146K-14700.0% | $1K |
| Loan processing expense | $3.0M-3.0% | $3.1M-9.9% | $3.4M-27.7% | $4.7M+2.9% | $4.6M-0.8% | $4.6M+41.3% | $3.3M-2.5% | $3.4M |
| Total noninterest expenses | $109.9M-1.6% | $111.6M-6.7% | $119.7M-12.7% | $137.1M-19.7% | $170.6M-6.8% | $183.1M+34.3% | $136.3M+2.3% | $133.2M |
| Income before income taxes | $33.4M+39.3% | $24.0M+117.6% | $11.0M-54.9% | $24.5M-73.4% | $92.1M-14.8% | $108.1M+127.3% | $47.6M+18.1% | $40.3M |
| Income tax expense | $7.0M+32.5% | $5.3M+220.7% | $1.7M-66.8% | $5.0M-76.6% | $21.3M-21.0% | $27.0M+131.1% | $11.7M+22.5% | $9.5M |
| Net income | $26.4M+41.3% | $18.7M+99.3% | $9.4M-51.9% | $19.5M-72.5% | $70.8M-12.8% | $81.1M+126.0% | $35.9M+16.7% | $30.8M |
| Basic income per share (in dollars per share) | $1480.00+46.5% | $1010.00+114.9% | $470.00-47.2% | $890.00-70.1% | $2980.00-10.2% | $3320.00+140.6% | $1380.00+23.2% | $1120.00 |
| Diluted income per share (in dollars per share) | $1480.00+46.5% | $1010.00+119.6% | $460.00-48.3% | $890.00-69.9% | $2960.00-10.3% | $3300.00+140.9% | $1370.00+23.4% | $1110.00 |
| Basic (in shares) | 17.8M-3.9% | 18.6M-7.9% | 20.2M-7.9% | 21.9M-7.8% | 23.7M-3.0% | 24.5M-6.0% | 26.0M-4.9% | 27.4M |
| Diluted (in shares) | 17.9M-3.9% | 18.6M-8.0% | 20.2M-8.2% | 22.0M-8.0% | 23.9M-2.7% | 24.6M-6.2% | 26.2M-5.0% | 27.6M |
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.