Financial insights of BLFY

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans	80,716
Taxable investment income	14,447
Non-taxable investment income	143
Total interest income	95,306
Deposits	37,047
Borrowed funds	10,875
Total interest expense	47,922
Net interest income	47,384
Provision for (release of) credit losses	2,123
Net interest income after provision for (release of) credit losses	45,261
Fees and service charges	1,089
Gain on sale of loans	0
Other income	594
Total non-interest income	1,683
Compensation and benefits	31,935
Occupancy and equipment	9,091
Data processing	5,994
Advertising	467
Professional services	4,421
Federal deposit insurance	920
Other expense	4,141
Total non-interest expense	56,969
Loss before income tax expense	-10,025
U.s federal statutory tax rate	-2,105
State income taxes, net of federal benefit	0
Changes in valuation allowance	1,652
Non-deductible compensation	205
Stock compensation	125
Transaction costs	281
Other nontaxable or nondeductible items, net	-143
Other adjustments	-15
Income tax expense	0
Net loss	-10,025

Basic EPS	-0.51
Diluted EPS	-0.51
Basic Average Shares	19,646,810
Diluted Average Shares	19,646,810