For the quarter ending 2026-03-31.
| Income Statement | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Loans, including fees | 44,484 | - | 46,193 | - |
| Tax-exempt investment securities | 22 | - | 22 | - |
| Taxable investment securities | 1,552 | - | 1,452 | - |
| Other interest-earning assets | 2,773 | - | 3,804 | - |
| Total interest income | 48,831 | - | 51,471 | - |
| Deposits | 21,478 | - | 23,995 | - |
| Borrowings | 543 | - | 498 | - |
| Total interest expense | 22,021 | - | 24,493 | - |
| Net interest income | 26,810 | - | 26,978 | - |
| Provision (reversal) for credit losses on loans | 618 | - | -428 | - |
| Provision (reversal) for credit losses on off-balance sheet credit exposures | -151 | - | 47 | - |
| Provision for credit losses | 467 | - | -381 | - |
| Net interest income after provision for credit losses | 26,343 | - | 27,359 | - |
| Service charges and fees on deposits | 430 | - | 377 | - |
| Loan servicing income | 801 | - | 719 | - |
| Bank-owned life insurance income | 274 | - | 259 | - |
| Gain on sale of loans | 1,409 | - | 1,617 | - |
| Other income | 460 | - | 442 | - |
| Total noninterest income | 3,374 | - | 3,414 | - |
| Salaries and employee benefits | 9,720 | - | 9,293 | - |
| Occupancy and equipment | 2,277 | - | 2,372 | - |
| Professional fees | 534 | - | 541 | - |
| Marketing and business promotion | 456 | - | 669 | - |
| Data processing | 337 | - | 333 | - |
| Director fees and expenses | 223 | - | 223 | - |
| Regulatory assessments | 361 | - | 373 | - |
| Other expense | 906 | - | 1,065 | - |
| Total noninterest expense | 14,814 | - | 14,869 | - |
| Income before income taxes | 14,903 | 10,794* | 15,904 | - |
| Income tax benefit (expense) related to items of other comprehensive income (loss) | - | - | - | 281 |
| Unrealized gain (loss) on securities available-for-sale arising during the period | - | - | - | 797 |
| Total other comprehensive income (loss), net of tax | - | - | - | 516 |
| Income tax expense | 4,250 | 1,559* | 4,492 | - |
| Net income | 10,653 | 9,235 | 11,412 | 9,071 |
| Preferred stock dividends | 86 | 3,005 | 86 | - |
| Total comprehensive income | - | - | - | 9,587 |
| Net income available to common shareholders | 10,567 | 6,230 | 11,326 | - |
| Basic EPS | 0.74 | 0.441 | 0.79 | 0.63 |
| Diluted EPS | 0.74 | 0.443 | 0.78 | 0.62 |
| Basic Average Shares | 14,142,092 | 14,131,519 | 14,201,054 | 14,213,032 |
| Diluted Average Shares | 14,238,226 | 14,060,784 | 14,325,956 | 14,326,011 |
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