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Balance Sheets Overview

Debt to Asset Ratio
79.13%
Unit: Thousand (K) dollars
Assets Breakdown
    • Net loans
    • Cash and cash equivalents
    • Securities available for sale
    • Others
Liabilities Breakdown
    • Interest-bearing deposits
    • Noninterest-bearing deposits
    • Retained earnings
    • Others
Balance Sheets
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Cash
8,664
6,908
6,061
4,987
Interest-bearing deposits in other banks
60,238
67,669
57,485
51,336
Foreclosed real estate
-
-
0
157
Cash and cash equivalents
68,902
74,577
63,546
56,323
Equity investment
405
406
405
406
Securities available for sale
32,218
32,890
34,482
35,359
Securities held to maturity (fair value of 5,083 and 5,102, acl of 1 and 2)
5,647
5,691
5,784
5,832
Total loans
710,625
735,608
746,072
751,573
Allowance for credit losses
6,214
6,399
8,197
9,159
Net loans
704,411
729,209
737,875
742,414
Premises and equipment, net
12,223
12,307
12,686
13,182
Federal home loan bank of atlanta stock, at cost
661
2,324
656
656
Investment in life insurance
20,642
20,526
20,347
20,259
Accrued interest receivable
3,020
2,990
3,049
3,243
Goodwill
14,420
14,420
14,420
14,420
Intangible assets, net
561
606
696
741
Deferred tax assets, net
7,558
7,404
9,267
9,309
Other assets
7,288
7,507
6,173
6,026
Total assets
877,956
910,857
909,386
908,327
Noninterest-bearing deposits
138,384
139,318
134,742
134,470
Interest-bearing deposits
537,506
534,195
529,048
524,421
Total deposits
675,890
673,513
663,790
658,891
Subordinated debentures
-
-
35,000
34,961
Fhlb borrowings
0
35,000
-
-
Other liabilities
18,865
18,707
20,386
16,484
Total liabilities
694,755
727,220
719,176
710,336
Preferred stock, 0.01 par value 1,000,000 shares authorized none issued or outstanding common stock, 0.01 par value 45,000,000 shares authorized at september 30, 2025 and december 31, 2024 9,536,094 shares issued and outstanding as of september 30, 2025 and 10,645,284 issued and outstanding as of december 31, 2024
-
-
95
103
Common stock, 0.01 par value 45,000,000 shares authorized at june 30, 2026 and december 31, 2025 8,520,245 shares issued and outstanding as of june 30, 2026 and 8,852,813 issued and outstanding as of december 31, 2025
85
87
-
-
Paid-in capital
63,629
67,564
80,151
91,854
Retained earnings
127,543
124,081
118,185
114,455
Unearned common stock held by employee stock ownership plan
6,879
6,929
7,023
7,069
Accumulated other comprehensive loss
-1,177
-1,166
-1,198
-1,352
Total stockholders' equity
183,201
183,637
190,210
197,991
Total liabilities and stockholders' equity
877,956
910,857
909,386
908,327
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Balance Sheets

Total loans$710,625K (-5.45%↓ Y/Y)Interest-bearing deposits inother banks$60,238K (17.34%↑ Y/Y)Cash$8,664K (73.73%↑ Y/Y)Net loans$704,411K (-5.12%↓ Y/Y)Cash and cashequivalents$68,902K (22.33%↑ Y/Y)Securities available forsale$32,218K (-8.88%↓ Y/Y)Investment in lifeinsurance$20,642K (1.89%↑ Y/Y)Goodwill$14,420K (0.00%↑ Y/Y)Premises and equipment,net$12,223K (-7.28%↓ Y/Y)Deferred tax assets, net$7,558K (-18.81%↓ Y/Y)Other assets$7,288K (20.94%↑ Y/Y)Securities held to maturity(fair value of 5,083...$5,647K (-3.17%↓ Y/Y)Accrued interestreceivable$3,020K (-6.88%↓ Y/Y)Federal home loan bank ofatlanta stock, at cost$661K (0.76%↑ Y/Y)Intangible assets, net$561K (-24.29%↓ Y/Y)Equity investment$405K (-0.25%↓ Y/Y)Allowance for creditlosses$6,214K (-32.15%↓ Y/Y)Total assets$877,956K (-3.34%↓ Y/Y)Total liabilities andstockholders' equity$877,956K (-3.34%↓ Y/Y)Total liabilities$694,755K (-2.19%↓ Y/Y)Total stockholders'equity$183,201K (-7.47%↓ Y/Y)Unearned common stockheld by employee...$6,879K (-2.69%↓ Y/Y)Accumulated othercomprehensive loss-$1,177K (12.94%↑ Y/Y)Total deposits$675,890K (2.58%↑ Y/Y)Other liabilities$18,865K (14.44%↑ Y/Y)Retained earnings$127,543K (11.44%↑ Y/Y)Paid-in capital$63,629K (-30.73%↓ Y/Y)Common stock, 0.01 parvalue 45,000,000...$85K Interest-bearing deposits$537,506K (2.50%↑ Y/Y)Noninterest-bearing deposits$138,384K (2.91%↑ Y/Y)

BV Financial, Inc. (BVFL)

BV Financial, Inc. (BVFL)