At or For the Quarter Ended September 30,

(In Thousands, Except Per Share Information)

2025

2024

Interest income

$

14,146

$

14,075

Interest expense

5,216

5,459

Net interest income

8,930

8,616

Recovery of credit losses

(626)

(697)

Net interest income, after recovery of credit losses

9,556

9,313

Non-interest income

813

899

Non-interest expense

7,634

7,523

Income before taxes

2,735

2,689

Provision for income taxes

1,054

789

Net income

$

1,681

$

1,900

Diluted earnings per share

$

0.25

$

0.28

Return on average assets

0.55

%

0.61

%

Return on average equity

5.17

%

5.78

%

Net interest margin

3.00

%

2.84

%

Efficiency ratio

78.35

%

79.06

%

Loans held for investment growth

(0.38)

%

(0.41)

%

Deposit growth

(1.57)

%

(2.76)

%

Loans held for investment as a percentage of total deposits

119.08

%

121.39

%

Core deposits as a percentage of total deposits

64.68

%

69.42

%

Tier 1 leverage capital ratio

9.55

%

9.63

%

Non-performing assets as a percentage of total assets

0.15

%

0.17

%