For the quarter ending 2025-09-30, BFIN made $36,635,000 in revenue. $2,359,000 in net income. Net profit margin of 6.44%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 10,238,000 | - | 11,238,000 | 12,554,000 |
| Taxable | 39,000 | - | 43,000 | - |
| Tax exempt | 5,244,000 | - | 3,360,000 | 2,147,500 |
| Taxable | - | - | - | 48,250 |
| Other | 1,186,000 | - | 1,671,000 | 2,266,500 |
| Total interest income | 16,707,000 | - | 16,312,000 | 17,016,000 |
| Deposits | 4,732,000 | - | 4,423,000 | 4,472,000 |
| Borrowings and subordinated notes | 335,000 | - | 394,000 | 442,000 |
| Total interest expense | 5,067,000 | - | 4,817,000 | 4,914,000 |
| Net interest income | 11,640,000 | - | 11,495,000 | 12,102,000 |
| Provision for credit losses - loans | -210,000 | - | -261,000 | 2,353,500 |
| Recovery of credit losses - unfunded commitments | -55,000 | - | -35,000 | -22,500 |
| (recovery of) provision for credit losses | -265,000 | - | -296,000 | 2,331,000 |
| Net interest income after (recovery of) provision for credit losses | 11,905,000 | - | 11,791,000 | 9,771,000 |
| Deposit service charges and fees | 1,000,000 | - | 884,000 | 842,000 |
| Loan servicing fees | 82,000 | - | 187,000 | 194,000 |
| Trust and insurance commissions and annuities income | 314,000 | - | 437,000 | 402,000 |
| Loss on disposal of premises and equipment | -21,000 | - | -5,000 | -47,500 |
| Loss on bank-owned life insurance | 0 | - | 4,000 | -31,500 |
| Bank-owned life insurance death benefit | 0 | - | - | - |
| Gain on repurchase of subordinated notes | 0 | - | 42,000 | 35,666.667 |
| Other | 328,000 | - | 85,000 | 103,000 |
| Total noninterest income | 1,703,000 | - | 1,634,000 | 1,515,500 |
| Compensation and benefits | 4,389,000 | - | 5,704,000 | 5,881,000 |
| Office occupancy and equipment | 1,978,000 | - | 2,047,000 | 1,965,000 |
| Advertising and public relations | 133,000 | - | 130,000 | 133,500 |
| Information technology | 1,011,000 | - | 1,015,000 | 968,000 |
| Professional fees | 1,175,000 | - | 405,000 | 432,000 |
| Supplies, telephone, and postage | 282,000 | - | 289,000 | 279,500 |
| Fdic insurance premiums | 160,000 | - | 157,000 | 160,000 |
| Other | 1,650,000 | - | 1,165,000 | 1,663,500 |
| Total noninterest expense | 10,778,000 | - | 10,912,000 | 11,482,500 |
| Income before income taxes | 2,830,000 | - | 2,513,000 | -196,000 |
| Income tax expense | 471,000 | - | 432,000 | -169,000 |
| Net income | 2,359,000 | -359,000 | 2,081,000 | -27,000 |
| Tax effect | - | 53,000 | - | - |
| Unrealized holding gain on securities arising during the period | - | 205,000 | - | - |
| Other comprehensive gain, net of tax | - | 152,000 | - | - |
| Comprehensive (loss) income | - | -207,000 | - | - |
| Basic and diluted earnings per common share (in dollars per share) | 0.19 | -0.03 | 0.17 | 0 |
| Basic and diluted weighted average common shares outstanding (in shares) | 12,460,678 | 12,460,678 | 12,460,678 | -6,229,422 |
BankFinancial CORP (BFIN)
BankFinancial CORP (BFIN)