Financial insights of BHB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans	183,120
Securities and other	23,439
Federal home loan bank stock	801
Interest-earning deposits with other banks	2,159
Total interest and dividend income	209,519
Deposits	63,525
Borrowings	11,516
Total interest expense	75,041
Net interest income	134,478
Provision for credit losses on available-for-sale debt securities	636
Provision for credit losses on loans	4,636
Net interest income after provision for credit losses	129,206
Trust and investment management fee income	16,066
Customer service fees	15,953
(loss) gain on available-for-sale debt securities, net	-5,329
Mortgage banking income	1,969
Bank-owned life insurance income	2,576
Customer derivative income	2,013
Other income	1,208
Total non-interest income	34,456
Salaries and employee benefits	60,534
Occupancy and equipment	14,530
Depreciation	4,303
Gain (loss) on premises and equipment, net	-257
Outside services	2,017
Professional services	1,809
Communication	877
Marketing	2,036
Amortization of intangible assets	1,514
Fdic assessment	1,921
Acquisition, conversion and other expenses	10,592
Provision (credit) for unfunded commitments	796
Other expenses	16,541
Total non-interest expense	117,727
Income before income taxes	45,935
Income tax expense	9,016
Net income	36,919

Basic EPS	2.32
Diluted EPS	2.31
Basic Average Shares	15,892,000
Diluted Average Shares	15,955,000