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| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Loans and leases, including fees | $109.3M+2.4% | $106.8M+9.6% | $97.4M+52.8% | $63.7M+24.3% | $51.3M |
| Securities | $359K-34.6% | $549K-16.6% | $658K-25.3% | $881K+16.5% | $756K |
| FHLB and FRB stock dividends | $629K-6.8% | $675K+14.0% | $592K+70.1% | $348K+48.7% | $234K |
| Federal funds sold and other | $9.7M-6.6% | $10.4M+8.0% | $9.6M+242.3% | $2.8M+2662.7% | $102K |
| Total interest and dividend income | $120.0M+1.4% | $118.4M+9.3% | $108.3M+59.8% | $67.8M+29.4% | $52.3M |
| Deposits | $60.0M-10.6% | $67.2M+19.2% | $56.4M+253.3% | $16.0M+99.1% | $8.0M |
| FHLB advances and other debt | $3.7M+16.2% | $3.1M+1.2% | $3.1M+52.3% | $2.0M+45.9% | $1.4M |
| Subordinated debentures | $1.3M-10.1% | $1.4M+23.4% | $1.2M+19.0% | $982K+9.5% | $897K |
| Total interest expense | $65.0M-9.4% | $71.7M+18.3% | $60.6M+219.6% | $19.0M+84.1% | $10.3M |
| Net interest income | $55.0M+18.0% | $46.6M-2.1% | $47.6M-2.4% | $48.8M+16.1% | $42.0M |
| Provision for credit losses-loans | $7.5M+23.3% | $6.1M+227.6% | $1.9M+136.1% | $787K+149.2% | -$1.6M |
| Provision for credit losses-unfunded commitments | $739K+13.7% | $650K+41.6% | $459K | — | — |
| Total provision for credit losses | $8.2M+22.4% | $6.7M+190.8% | $2.3M+194.4% | $787K+149.2% | -$1.6M |
| Net interest income after provision for credit losses | $46.8M+17.2% | $39.9M-11.9% | $45.3M-5.6% | $48.0M+10.0% | $43.6M |
| Service charges on deposit accounts | $2.9M+14.8% | $2.5M+60.0% | $1.6M+38.0% | $1.1M+34.3% | $845K |
| Net gains on sales of residential mortgage loans | $716K+64.6% | $435K+265.5% | $119K-81.9% | $656K-88.9% | $5.9M |
| Net (losses) gains on sales of commercial loans | -$18K-107.3% | $246K+272.7% | $66K | — | — |
| Net loss on sale of equity security | -$103K | — | — | — | — |
| Earnings on bank owned life insurance | $933K+9.8% | $850K+36.0% | $625K+4.5% | $598K+12.4% | $532K |
| Swap fee income | $424K+32.1% | $321K-55.1% | $715K+276.3% | $190K-2.1% | $194K |
| Other | $934K+12.4% | $831K-12.1% | $945K+36.4% | $693K+60.8% | $431K |
| Total noninterest income | $5.9M+14.5% | $5.2M+28.4% | $4.0M+25.6% | $3.2M-72.4% | $11.6M |
| Salaries and employee benefits | $15.7M+10.9% | $14.2M-2.3% | $14.5M-4.0% | $15.1M-10.8% | $16.9M |
| Occupancy and equipment | $1.8M-3.3% | $1.8M+7.5% | $1.7M+35.2% | $1.3M+11.9% | $1.1M |
| Data processing | $2.9M+12.4% | $2.6M+18.3% | $2.2M-22.6% | $2.8M+34.6% | $2.1M |
| Franchise and other taxes | $1.4M+11.0% | $1.3M+0.5% | $1.3M+9.7% | $1.2M+18.1% | $975K |
| Professional fees | $3.2M+15.7% | $2.7M+10.5% | $2.5M-10.4% | $2.8M-36.6% | $4.3M |
| Director fees | $686K+19.5% | $574K-12.8% | $658K+4.1% | $632K+1.6% | $622K |
| Postage, printing and supplies | $142K-6.6% | $152K+2.0% | $149K-18.6% | $183K+25.3% | $146K |
| Advertising and marketing | $418K+211.9% | $134K-60.1% | $336K-22.0% | $431K-85.9% | $3.1M |
| Telephone | $186K-11.4% | $210K-18.3% | $257K+3.2% | $249K-5.3% | $263K |
| Loan expenses | $915K-34.6% | $1.4M+126.2% | $619K-10.8% | $694K+97.2% | $352K |
| Foreclosed assets, net | $18K | — | — | — | — |
| Depreciation | $476K-2.1% | $486K-14.3% | $567K+14.3% | $496K+14.0% | $435K |
| FDIC premiums | $2.1M-1.0% | $2.1M-6.1% | $2.2M+96.0% | $1.1M-8.7% | $1.2M |
| Regulatory assessment | $216K-16.3% | $258K+6.6% | $242K-11.0% | $272K+4.2% | $261K |
| Other insurance | $194K-2.0% | $198K-5.3% | $209K+18.1% | $177K+12.0% | $158K |
| Impairment of premises and equipment | $56K-6.7% | $60K | — | $570K+3252.9% | $17K |
| Total noninterest expense | $31.2M+7.7% | $28.9M+2.0% | $28.4M-0.9% | $28.6M-11.8% | $32.5M |
| Income before incomes taxes | $21.5M+33.3% | $16.1M-23.1% | $21.0M-7.1% | $22.6M-1.0% | $22.8M |
| Income tax expense | $4.0M+44.6% | $2.8M-31.9% | $4.0M-8.6% | $4.4M+1.4% | $4.4M |
| Net income | $17.5M+31.0% | $13.4M-21.0% | $16.9M-6.8% | $18.2M-1.6% | $18.5M |
| Earnings allocated to participating securities (Series D preferred stock) | -$540K-49.6% | -$361K | — | — | — |
| Net income attributable to common stockholders | $17.0M+30.5% | $13.0M-23.1% | $16.9M-6.8% | $18.2M-1.6% | $18.5M |
| Basic | $3K+29.8% | $2K-21.2% | $3K-7.0% | $3K+0.0% | $3K |
| Diluted | $3K+30.6% | $2K-21.7% | $3K-5.4% | $3K+0.4% | $3K |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
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