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BCML • CIK 0001730984
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $38,158 | $32,120 | $32,617 | $19,932 |
| Income Tax Expense (Benefit) | $10,733 | $8,506 | $8,686 | $6,849 |
| Net Income (Loss) Attributable to Parent | $27,425 | $23,614 | $23,931 | $13,083 |
| Interest and Fee Income, Loans and Leases | $106,316 | $104,062 | $114,134 | $116,814 |
| InterestIncomeTaxableInvestmentSecuritiesIncreaseDecrease | $6,993 | $8,980 | $9,418 | $8,957 |
| Interest Income, Deposits with Other Federal Home Loan Banks | $11,589 | $17,079 | $10,272 | $8,700 |
| Interest Income, Federal Home Loan Bank Advances | $862 | $1,011 | $1,004 | $1,114 |
| Interest and Dividend Income, Operating | $126,337 | $131,710 | $135,389 | $136,089 |
| Interest Expense, Deposits | $24,040 | $36,139 | $36,819 | $36,290 |
| Interest Expense, Subordinated Notes and Debentures | $3,582 | $3,567 | $3,354 | $3,354 |
| Interest Expense, Other Short-term Borrowings | $841 | $863 | $762 | $381 |
| InterestExpenseOperating | — | — | $40,935 | $38,751 |
| Interest Income (Expense), Net | $97,874 | $91,141 | $94,454 | $97,338 |
| Provision for Loan, Lease, and Other Losses | $2,015 | $1,265 | $4,068 | $4,068 |
| Interest Income (Expense), after Provision for Loan Loss | $95,859 | $89,876 | $90,386 | $89,544 |
| Gain (Loss) on Sales of Loans, Net | $508 | $287 | $268 | $228 |
| Equity Securities, FV-NI, Gain (Loss) | $-1,141 | $463 | $-230 | $171 |
| Fees and Commissions, Mortgage Banking and Servicing | $1,879 | $1,550 | $1,725 | $1,460 |
| Other Income | $1,064 | $1,225 | $1,065 | $1,061 |
| Noninterest Income | $6,977 | $6,377 | $6,086 | $6,164 |
| Labor and Related Expense | $41,001 | $38,906 | $40,223 | $52,458 |
| Occupancy, Net | $8,158 | $8,675 | $8,591 | $8,484 |
| Information Technology and Data Processing | $6,622 | $7,274 | $7,867 | $8,178 |
| Other Noninterest Expense | $8,897 | $9,278 | $7,174 | $6,656 |
| Noninterest Expense | $64,678 | $64,133 | $63,855 | $75,776 |
| Weighted Average Number of Shares Outstanding, Basic | 12,074,198 | 11,262,409 | 10,990,547 | 10,830,599 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $17,901 | $23,138 | $26,785 | $21,758 |
| Federal Funds Sold | $289,638 | $340,894 | $179,729 | $155,624 |
| Assets | $2,551,960 | $2,664,508 | $2,593,677 | $2,580,081 |
| Cash, Cash Equivalents, and Federal Funds Sold | $307,539 | $364,032 | $206,514 | $177,382 |
| Liabilities | $2,239,091 | $2,340,142 | $2,255,123 | $2,244,691 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $163,152 | $193,328 | $179,708 | $182,710 |
| EquitySecuritiesFvNiCurrentAndNoncurrent | $12,585 | $13,120 | $12,554 | $11,707 |
| Federal Home Loan Bank Stock | $11,313 | $11,313 | $11,524 | $12,046 |
| Federal Reserve Bank Stock | $9,626 | $9,645 | $7,722 | $7,733 |
| Financing Receivable, Held-for-Sale | $2,380 | $2,216 | $1,316 | $125 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $1,905,829 | $1,934,996 | $2,045,126 | $2,052,279 |
| Property, Plant and Equipment, Net | $13,734 | $13,386 | $13,220 | $13,132 |
| Finite-Lived Intangible Assets, Net | $3,915 | $2,693 | $1,745 | $1,518 |
| Cash Surrender Value of Life Insurance | $22,867 | $23,591 | $24,353 | $24,746 |
| Operating Lease, Right-of-Use Asset | $13,939 | $13,383 | $12,665 | $14,730 |
| Goodwill | $38,838 | $38,838 | $38,838 | $38,838 |
| Interest Receivable and Other Assets | $47,378 | $43,718 | $38,392 | $43,260 |
| Deposits | $2,132,750 | $2,234,009 | $2,213,640 | $2,169,918 |
| Junior Subordinated Notes | $8,565 | $8,645 | $8,726 | $5,888 |
| Subordinated Debt | $63,881 | $63,736 | $63,736 | $63,821 |
| Supplemental Unemployment Benefits, Salary Continuation | $4,552 | $4,737 | $5,122 | $5,235 |
| Operating Lease, Liability | $14,752 | $14,383 | $13,659 | $15,692 |
| Common Stock, Value, Issued | $180,913 | $172,254 | $165,998 | $167,352 |
| Additional Paid in Capital, Common Stock | $287 | $287 | $287 | $287 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-14,592 | $-13,006 | $-6,634 | $-5,823 |
| Retained Earnings (Accumulated Deficit) | $146,261 | $164,831 | $178,903 | $173,574 |
| Stockholders' Equity Attributable to Parent | $312,869 | $324,366 | $338,554 | $335,390 |
| DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | $0 | $0 | $0 | $0 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $22,000 | $17,900 | $21,210 | $22,950 |
| Preferred Stock, Shares Authorized | 10,000,000 | 10,000,000 | 10,000,000 | 10,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 100,000,000 | 100,000,000 | 100,000,000 | 100,000,000 |
| Common Stock, Shares, Issued | 11,551,271 | 11,121,475 | 10,887,681 | 10,909,317 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $27,425 | $23,614 | $23,931 | $13,083 |
| Net Cash Provided by (Used in) Operating Activities | $30,802 | $30,357 | $31,831 | $28,306 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | $130,724 | $56,493 | $-157,518 | $-114,242 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $307,539 | $364,032 | $206,514 | $255,870 |
| Provision for Loan, Lease, and Other Losses | $2,015 | $1,265 | $4,068 | $4,068 |
| Proceeds from (Payments for) in Interest-bearing Deposits in Banks | $996 | $996 | $249 | $249 |
| Payments to Acquire Debt Securities, Available-for-sale | $25,267 | $49,856 | $15,614 | $36,448 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $11,555 | $21,877 | $38,574 | $45,706 |
| Gain (Loss) on Sales of Loans, Net | $508 | $287 | $268 | $228 |
| Payments for (Proceeds from) Federal Home Loan Bank Stock | $634 | $634 | $211 | $522 |
| Proceeds from Loans | $9,585 | $4,749 | $4,747 | $3,061 |
| Payments for (Proceeds from) Federal Reserve Bank Stock | — | — | $-1,923 | $-1,920 |
| Payments for Loans | $7,202 | $3,562 | $3,560 | $2,767 |
| Proceeds from Sale of Loans Receivable | — | $6,337 | $2,436 | $2,436 |
| Gains (Losses) on Sales of Other Real Estate | $-21 | $-21 | $-21 | $-21 |
| Payments to Acquire Loans Receivable | — | $86,071 | $31,016 | $76,920 |
| Interest Expense, Junior Subordinated Debentures | $81 | $80 | $1,030 | $1,498 |
| Payments to Acquire Property, Plant, and Equipment | $2,123 | $1,701 | $1,746 | $1,761 |
| Life Insurance, Corporate or Bank Owned, Change in Value | $674 | $724 | $762 | $778 |
| Net Cash Provided by (Used in) Investing Activities | $80,402 | $-62,186 | $-90,786 | $-69,869 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-340 | $-35 | $-136 | $-129 |
| Equity Securities, FV-NI, Gain (Loss) | $-1,141 | $463 | $-230 | $171 |
| Amortization of Intangible Assets | $1,286 | $1,222 | $948 | $669 |
| Share-based Payment Arrangement, Noncash Expense | $726 | $588 | $653 | $1,705 |
| Increase (Decrease) in Loans, Deferred Income | $138 | $93 | $495 | $-100 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $-1,753 | $-2,515 | $-3,655 | $2,969 |
| Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities | $-5,563 | $-1,607 | $-4,646 | $9,599 |
| Increase (Decrease) in Demand Deposits | $-136,624 | $22,100 | $-31,149 | $79,185 |
| Increase (Decrease) in Time Deposits | $183,895 | $79,159 | $10,780 | $-95,901 |
| Repayments of Subordinated Debt | — | $315 | $64,685 | $64,685 |
| Payments for Repurchase of Common Stock | $24,114 | $9,247 | $6,909 | $6,909 |
| Payments of Ordinary Dividends, Common Stock | $3,637 | $3,375 | $6,600 | $11,463 |
| Net Cash Provided by (Used in) Financing Activities | $19,520 | $88,322 | $-98,563 | $-72,679 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $26,961 | $40,643 | $40,624 | $38,165 |
| Income Taxes Paid, Net | $12,151 | $6,502 | $8,512 | $9,558 |
| OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment and Tax | $-3,031 | $1,586 | $6,372 | $4,299 |
| Transfer of Portfolio Loans and Leases to Held-for-sale | — | $2,216 | $2,013 | $1,862 |
| Right-of-Use Asset Obtained in Exchange for Operating Lease Liability | — | $3,231 | $2,701 | $4,892 |