$6.99M
Net Interest Income
$181.00K
Net Income
118.2%
Efficiency Ratio
1.88%
Net Int. Margin
0.4%
ROE
| Breakdown | Q1 2026 (Sep 30, 2025) |
Q1 2025 (Jun 30, 2025) |
Q4 2025 (Jun 30, 2025) |
Q3 2025 (Mar 31, 2025) |
Q2 2025 (Dec 31, 2024) |
|---|---|---|---|---|---|
| Interest Income | $5.05M | $4.62M | $4.99M | $4.85M | $4.78M |
| Interest Expense | $2.55M | $2.75M | $2.69M | $2.71M | $2.75M |
| Net Interest Income | $2.50M | $1.87M | $2.30M | $2.13M | $2.04M |
| Provision for Credit Losses | - | - | $3.00K | $21.00K | - |
| Net Interest Income After Provision | $2.50M | $1.85M | $2.30M | $2.11M | $2.04M |
| Non-Interest Income | $153.00K | $137.00K | $111.00K | $81.00K | $171.00K |
| Other Non-Interest Income | $66.00K | $55.00K | $51.00K | $38.00K | $63.00K |
| Non-Interest Expense | $2.20M | $2.01M | $2.17M | $2.18M | $2.20M |
| Compensation & Benefits | $1.20M | $1.19M | $1.23M | $1.22M | $1.21M |
| Occupancy Expense | $136.00K | $137.00K | $136.00K | $142.00K | $136.00K |
| Technology & Equipment | $33.00K | $34.00K | $32.00K | $38.00K | $32.00K |
| Professional Fees | $95.00K | $80.00K | $96.00K | $92.00K | $86.00K |
| Other Non-Interest Expense | $166.00K | $165.00K | $127.00K | $177.00K | $268.00K |
| Income Before Tax | $453.00K | $-21.00K | $239.00K | $15.00K | $6.00K |
| Income Tax Expense | $109.00K | $-6.00K | $63.00K | $8.00K | $-7.00K |
| Net Income | $344.00K | $-15.00K | $176.00K | $7.00K | $13.00K |
| Basic EPS | 0.04 | 0.00 | 0.02 | 0.00 | 0.00 |
| Diluted EPS | 0.04 | 0.00 | 0.02 | 0.00 | 0.00 |
| Breakdown | Q1 2026 (Sep 30, 2025) |
Q1 2025 (Jun 30, 2025) |
Q4 2025 (Jun 30, 2025) |
Q3 2025 (Mar 31, 2025) |
Q2 2025 (Dec 31, 2024) |
|---|---|---|---|---|---|
| Cash & Due from Banks | $1.85M | $2.88M | $2.34M | $2.58M | $4.74M |
| Interest-Bearing Deposits | $10.67M | $13.67M | $8.56M | $8.11M | $9.30M |
| Investment Securities - AFS | $11.73M | $9.42M | $9.76M | $8.20M | $8.63M |
| Allowance for Loan Losses | - | $2.17M | - | - | - |
| Premises & Equipment | $4.17M | $4.22M | $4.21M | $4.24M | $4.25M |
| Total Assets | $366.49M | $375.65M | $371.21M | $380.74M | $374.21M |
| Total Deposits | $271.42M | $254.91M | $277.56M | $277.39M | $263.06M |
| Other Liabilities | $853.00K | $807.00K | $608.00K | $493.00K | $514.00K |
| Total Liabilities | $317.71M | $327.43M | $322.84M | $332.58M | $326.15M |
| Common Stock | $86.00K | $86.00K | $86.00K | $86.00K | $86.00K |
| Retained Earnings | $17.85M | $17.31M | $17.51M | $17.33M | $17.32M |
| Treasury Stock | $3.97M | $3.97M | $3.97M | $3.97M | $3.97M |
| AOCI | $-79.00K | $-95.00K | $-145.00K | $-186.00K | $-276.00K |
| Total Stockholders Equity | $48.78M | $48.22M | $48.37M | $48.15M | $48.05M |
| Total Liabilities & Equity | $366.49M | $375.65M | $371.21M | $380.74M | $374.21M |
| Breakdown | Q1 2026 (Sep 30, 2025) |
Q1 2025 (Jun 30, 2025) |
Q4 2025 (Jun 30, 2025) |
Q3 2025 (Mar 31, 2025) |
Q2 2025 (Dec 31, 2024) |
|---|---|---|---|---|---|
| Net Income | $344.00K | $-15.00K | $176.00K | $5.00K | $-2.00K |
| Deferred Taxes | $8.00K | $-27.00K | $-71.00K | $-79.00K | $30.00K |
| Net Change in Loans HFS | $2.00M | $2.81M | $2.58M | $5.01M | $3.66M |
| Operating Cash Flow | $450.00K | $-1.41M | $29.00K | $-115.00K | $40.00K |
| Maturities of Securities | $535.00K | $559.00K | $1.49M | $1.66M | $1.11M |
| Net Change in Loans | $-825.00K | $148.00K | $-3.35M | $-2.46M | $-2.79M |
| Capital Expenditures | $5.00K | $2.00K | $1.00K | $148.00K | $83.00K |
| Investing Cash Flow | $-502.00K | $213.00K | $1.87M | $4.26M | $3.63M |
| Net Change in Deposits | $-6.15M | $-1.22M | $177.00K | $21.25M | $6.92M |
| Financing Cash Flow | $-4.80M | $176.00K | $-10.17M | $5.33M | $-983.00K |
SEC Filing Format - Data shown as it appears in the Q1 2026 (10-Q) filing
Period ended: Sep 30, 2025
Condensed Consolidated Statements of Operations
| Description | Sep 30, 2025 | |
|---|---|---|
| Current | Prior Year | |
| Interest Expense | $2.55M | $2.75M |
| Income Before Tax | $453.00K | $-21.00K |
| Income Tax Expense | $109.00K | $-6.00K |
| Net Income | $344.00K | $-15.00K |
| Basic EPS | 0.04 | 0.00 |
| Diluted EPS | 0.04 | 0.00 |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|
| Cash & Cash Equivalents | $14.62M | $19.48M |
| Accounts Receivable | $326.45M | $327.25M |
| Property Plant & Equipment | $4.17M | $4.21M |
| Total Assets | $366.49M | $371.21M |
| Deferred Tax Liabilities | $61.00K | $30.00K |
| Total Liabilities | $317.71M | $322.84M |
| Common Stock | $86.00K | $86.00K |
| Retained Earnings | $17.85M | $17.51M |
| Treasury Stock | $3.97M | $3.97M |
| Total Stockholders Equity | $48.78M | $48.37M |
| Total Liabilities & Equity | $366.49M | $371.21M |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | |
|---|---|---|
| Current | Prior Year | |
| Net Income | $344.00K | $-15.00K |
| Deferred Income Tax | $8.00K | $-27.00K |
| Operating Cash Flow | $450.00K | $-1.41M |
| Capital Expenditure | $5.00K | $2.00K |
| Purchases of Investments | $2.40M | - |
| Sales of Investments | $535.00K | $559.00K |
| Investing Cash Flow | $-502.00K | $213.00K |
| Financing Cash Flow | $-4.80M | $176.00K |
All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.