The company was named one of Piper Sandler's Top Bank Investment Ideas for 2026, highlighted for double-digit loan growth, a 4.5% net interest margin, and disciplined capital management. FY 2025 net income was $58.0M with ROA 2.17% and ROE 18.07%, with net income rising 39.8% vs prior year.
Cyborg Score Rationale
FY net income rose 39.8% year-over-year with gross loans up 12.6% and deposits up 10.7%. The company maintains a TCE ratio of 11.6%, CET1 of 14.5%, and return on assets near 2%, demonstrating solid capital management.
Top Insights
FY 2025 delivered $58.0M net income (+39.8% YoY) with ROE of 18.07% and ROA of 2.17%
Named Piper Sandler Top Bank Investment Idea 2026 for growth profile and margin strength
George Boyan promoted to President effective January 1, 2026, strengthening executive leadership
Announced 7% increase in quarterly dividend to $0.15 per share in 2025, signaling confidence in earnings sustainability
Named Competitors
Regional Community Banking — Peer community banks in Northeast region
Larger Regional Banks — Larger competitors in tri-state area
Recent Developments
(January 2026) Executive promotion of George Boyan to President and CEO succession planning
(December 2025) FY 2025 earnings: $58.0M net income, 39.8% YoY growth with strong ROE of 18.07%
(January 2026) Dividend increase to $0.15 per share reflecting capital strength and confidence
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