Financial insights of CBNK

MyFinsight

For the quarter ending 2025-09-30, CBNK made $125,778K in revenue. $15,065K in net income. Net profit margin of 11.98%.

Income Overview

Revenue
$125,778K
Net Income
$15,065K
Net Profit Margin
11.98%
EPS
$0.89
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Salaries and employee benefits
Deposits
Others

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

Income Statement	2025-09-30	2025-06-30	2024-09-30	2024-06-30
Loans, including fees	60,838	60,810	50,047	48,275
Investment securities available-for-sale	1,805	1,582	1,343	1,308
Federal funds sold and other	2,248	2,194	1,220	1,032
Total interest income	64,891	64,586	52,610	50,615
Deposits	12,732	16,722	13,902	13,050
Borrowed funds	139	218	354	508
Total interest expense	12,871	16,940	14,256	13,558
Net interest income	52,020	47,646	38,354	37,057
Provision for credit losses	4,650	4,081	3,748	3,417
Provision for credit losses on unfunded commitments	217	0	17	104
Net interest income after provision for credit losses	47,153	43,565	34,589	33,536
Noninterest income-Bank Servicing	425	262	-	-
Noninterest income-Credit Card	4,509	4,298	-	-
Noninterest income-Government Lending	-	3,112	-	-
Noninterest income-Mortgage Banking	1,927	1,754	-	-
Noninterest income-Government Lending	14	-	-	-
Noninterest income-Government Loan Servicing	4,265	-	-	-
Loan servicing rights (government guaranteed)	368	-590	-	-
Noninterest income	-	-	6,172	6,520
Noninterest income-Government Loan Servicing	-	3,644	-	-
Other income	-440	626	463	370
Total noninterest income	11,068	13,106	6,635	6,890
Salaries and employee benefits	17,728	18,460	13,345	13,272
Occupancy and equipment	2,849	2,995	1,791	1,864
Professional fees	2,131	2,422	1,980	1,769
Data processing	7,654	7,520	6,930	6,788
Advertising	1,714	1,371	1,223	2,072
Loan processing	1,114	979	615	476
Foreclosed real estate expenses, net	0	0	1	-
Merger-related expenses	697	1,398	520	83
Operational losses	-923	933	-1,008	-782
Regulatory assessment expenses	740	884	-	-
Other operating	2,804	2,610	2,312	2,387
Total noninterest expenses	38,354	39,572	29,725	29,493
Net income (loss) before taxes	19,867	17,099	11,499	10,933
Income tax expense	4,802	3,963	2,827	2,728
Net income	15,065	13,136	8,672	8,205

Basic (in shares)	16,585,538	16,583,894	13,913,639	13,894,858
Basic earnings per share (in dollars per share)	0.91	0.79	0.62	0.59
Diluted (in shares)	16,844,035	16,801,902	13,950,900	13,894,858
Diluted earnings per share (in dollars per share)	0.89	0.78	0.62	0.59

MyFinsight

Income Overview

Revenue
$125,778K
Net Income
$15,065K
Net Profit Margin
11.98%
EPS
$0.89
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Salaries and employee benefits
Deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$125,778K
Net Income
$15,065K
Net Profit Margin
11.98%
EPS
$0.89
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Salaries and employee benefits
Deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$125,778KNet Income$15,065KNet Profit Margin11.98%EPS$0.89Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesSalaries and employee benefitsDepositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$125,778KNet Income$15,065KNet Profit Margin11.98%EPS$0.89Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesSalaries and employee benefitsDepositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$125,778K
Net Income
$15,065K
Net Profit Margin
11.98%
EPS
$0.89
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Salaries and employee benefits
Deposits
Others

Revenue
$125,778K
Net Income
$15,065K
Net Profit Margin
11.98%
EPS
$0.89
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Salaries and employee benefits
Deposits
Others