Financial insights of COSO

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Noninterest income-Interchange Income And Card Fees	991
Noninterest income-Service Charges On Deposit Accounts	890
Bank-owned life insurance	1,812
Income from mortgage originations	1,176
Gain on sale of government guaranteed loans	1,560
Losses on sale of available-for-sale securities	-10
Other noninterest income	1,652
Total noninterest income	8,071
Loans held for investment	95,486
Loans held for sale	13,308
Taxable	14,658
Non-taxable	428
Non-marketable equity securities	448
Federal funds sold	2,901
Other earning assets from banks	484
Total income	127,713
Interest-bearing deposits	52,280
Other borrowings	1,543
Total expenses	53,823
Net interest income	73,890
Provision for credit losses	3,196
Net interest income after provision for credit losses	70,694
Salaries and employee benefits	28,320
Occupancy and equipment	3,316
Other professional fees	2,628
Software and other technology expense	3,018
Data processing	2,564
Regulatory assessment	1,493
Other noninterest expense	6,290
Total noninterest expense	47,629
Income before taxes	31,136
Income tax provision	6,244
Net income	24,892

Basic EPS	2.24
Diluted EPS	2.16
Diluted Average Shares	11,520,215