Financial insights of BFST

MyFinsight

For the year ending 2025-12-31, BFST made $10,704K in revenue. $82,460K in net income. Net profit margin of 770.37%.

Income Statement	2025-12-31	2024-12-31
Service charges on deposit accounts	10,704	10,577
Gain (loss) on sales of securities	64	7
Gain on sales of loans	3,438	2,973
Other income	37,336	30,636
Total other income	51,542	44,193
Interest and fees on loans	419,197	374,555
Interest and dividends on non-taxable securities	6,890	4,265
Interest and dividends on taxable securities	22,126	20,994
Interest on federal funds sold and due from banks	16,798	14,950
Total interest income	465,011	414,764
Interest on deposits	168,923	165,094
Interest on borrowings	22,925	22,287
Total interest expense	191,848	187,381
Net interest income	273,163	227,383
Provision for credit losses	11,318	10,873
Net interest income after provision for credit losses	261,845	216,510
Salaries and employee benefits	115,853	103,917
Occupancy and equipment expense	28,611	23,989
Other expenses	58,614	49,746
Total other expenses	203,078	177,652
Income before income taxes	110,309	83,051
Provision for income taxes	22,448	17,944
Net income	87,861	65,107
Preferred stock dividends	5,401	5,401
Net income available to common shareholders	82,460	59,706

Basic EPS	2.81	2.27
Diluted EPS	2.79	2.26
Basic Average Shares	29,396,462	26,253,846
Diluted Average Shares	29,545,702	26,452,084