ADDED
As of December 31, 2025, we provided fiduciary and advisory services on $7.28 billion of trust and investment management assets (AUM), and we had total assets of $3.15 billion, total loans excluding mortgage loans held for sale of $2.65 billion, total deposits of $2.75 billion, and total shareholders equity of $265.6 million.
For the year ended December 31, 2025, Total non-interest income was $26.6 million or 27.4% of Total income before non-interest expense and Net interest income, before Provision for credit losses, was $75.4 million, or 77.8% of Total income before Non-interest expense.
As of December 31, 2025, 1-4 family residential loans were $1.03 billion , or 39.1% of our total loan portfolio, consisting of $123.6 million and $910.1 million of fixed-rate and adjustable-rate loans, respectively.
While we typically originate loans with adjustable rates and maturities up to 30 years, as of December 31, 2025, the average term on our 1-4 family portfolio was 23.6 years with an average remaining term of 20.3 years.
As of December 31, 2025, loans secured with cash, marketable securities and other were $164.7 million, or 6.3% of our total loan portfolio.
Consumer and other loans were $19.6 million, or 0.7% of our loan portfolio, excluding $3.2 million in consumer and other loans accounted for under the fair value option.
As of December 31, 2025, commercial and industrial loans were $225.3 million, or 8.5% of our total loan portfolio.
The average maturity on our commercial and industrial portfolio was 5.2 years with an average remaining term of 2.3 years.
As of December 31, 2025, owner occupied commercial real estate loans were $204.1 million, or 7.7% of our total loan portfolio, and non-owner occupied commercial real estate loans were $809.9 million, or 30.6% of our total loan portfolio.
As of December 31, 2025, construction and development loans were $189.1 million, or 7.1% of our total loan portfolio.
REMOVED
As of December 31, 2024, we provided fiduciary and advisory services on $7.32 billion of trust and investment management assets ("AUM"), and we had total assets of $2.92 billion, total loans excluding mortgage loans held for sale and loans held for sale of $2.43 billion, total deposits of $2.51 billion, and total shareholders equity of $252.3 million.
For the year ended December 31, 2024, non-interest income was $27.7 million or 30.7% of total income before non-interest expense and net interest income, before the provision for credit losses, was $64.3 million, or 71.4% of total income before non-interest expense.
As of December 31, 2024, 1-4 family residential loans were $962.9 million, or 39.8% of our total loan portfolio, consisting of $133.6 million and $829.3 million of fixed-rate and adjustable-rate loans, respectively.
While we typically originate loans with adjustable rates and maturities up to 30 years, as of December 31, 2024, the average term on our 1-4 family portfolio was 20.8 years with an average remaining term of 18.3 years.
As of December 31, 2024, loans secured with cash, marketable securities and other were $119.8 million, or 5.0% of our total loan portfolio.
Consumer and other loans were $17.5 million, or 0.7% of our loan portfolio, excluding $7.3 million in consumer and other loans accounted for under the fair value option.
As of December 31, 2024, commercial and industrial loans were $220.3 million, or 9.1% of our total loan portfolio.
The average maturity on our commercial and industrial portfolio was 3.7 years with an average remaining term of 1.7 years.
As of December 31, 2024, owner occupied commercial real estate loans were $172.0 million, or 7.1% of our total loan portfolio, and non-owner occupied commercial real estate loans were $611.2 million, or 25.3% of our total loan portfolio.
As of December 31, 2024, construction and development loans were $314.5 million, or 13.0% of our total loan portfolio.