2025-04-21 18:52Financial Performance - The company's Earnings Per Share (EPS) for 1Q25 was $0.25[24] - The Return on Average Assets (ROAA) for 1Q25 was 0.46%[24] compared to (2.80%) in 4Q24[24] - The Net Interest Margin for 1Q25 was 3.30%[24] compared to 2.96% in 4Q24[24] - Net Income to Common Shareholders (Loss) was $1.914 million in Q1'25[63] compared to -$16.706 million in Q4'24[63] Balance Sheet and Liquidity - Total assets were $2.223 billion as of 1Q25[24] - Total deposits were $1.908 billion as of 1Q25[24] - The Liquidity Coverage Ratio (LCR) for 1Q25 was 225%[25] - High quality liquid assets totaled $274 million in 1Q25[25] Loan Portfolio - Net loans totaled $1.812 billion as of 1Q25[24] - Residential Real Estate loans accounted for 11% of the loan portfolio[36], Construction loans accounted for 19%[36], C&I loans accounted for 6%[36], Multi-Family loans accounted for 13%[36], Owner-Occupied CRE loans accounted for 20%[36], and Non-Owner Occupied CRE loans accounted for 31%[36]