Financial insights of BHB

MyFinsight

For the quarter ending 2025-09-30, BHB made $118,397K in revenue. $8,855K in net income. Net profit margin of 7.48%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans	48,426	42,726
Securities and other	6,355	5,474
Federal home loan bank stock	217	212
Interest-earning deposits with other banks	924	276
Total interest and dividend income	55,922	48,688
Deposits	16,419	15,511
Borrowings	2,544	3,282
Total interest expense	18,963	18,793
Net interest income	36,959	29,895
Provision for credit losses on loans	3,749	528
Net interest income after provision for credit losses	33,210	29,367
Trust and investment management fee income	3,903	4,263
Customer service fees	4,311	3,589
(loss) gain on available-for-sale debt securities, net	41	-4,942
Mortgage banking income	423	605
Bank-owned life insurance income	665	602
Customer derivative income	962	104
Other income	262	425
Total non-interest income	10,567	4,646
Salaries and employee benefits	15,939	14,274
Occupancy and equipment	3,879	3,546
Depreciation	1,078	1,023
Loss (gain) on sales of premises and equipment, net	206	-3
Outside services	514	457
Professional services	296	514
Communication	246	194
Marketing	655	682
Amortization of intangible assets	466	233
Fdic assessment	462	464
Acquisition, conversion and other expenses	4,978	1,205
Provision (credit) for unfunded commitments	145	-
Other expenses	4,287	3,943
Total non-interest expense	32,739	26,538
Income before income taxes	11,038	7,475
Income tax expense	2,183	1,383
Net income	8,855	6,092

Earnings per share, basic	0.55	0.4
Earnings per share, diluted	0.54	0.4
Weighted average number of shares outstanding, basic	16,231,000	15,321,000
Weighted average number of shares outstanding, diluted	16,284,000	15,372,201