Financial insights of CFBK

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$4,869K
EPS
$0.77
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans and leases, including fees	25,809	26,312*	27,407	27,907
Securities	187	217*	55	40
Fhlb and frb stock dividends	142	169*	154	153
Federal funds sold and other	1,992	2,207*	2,753	2,259
Total interest and dividend income	28,130	28,904*	30,369	30,359
Deposits	13,484	14,437*	15,205	15,186
Fhlb advances and other debt	1,026	816*	1,045	846
Subordinated debentures	300	315*	329	326
Total interest expense	14,810	15,567*	16,579	16,358
Net interest income	13,320	13,337*	13,790	14,001
Provision for credit gaines-loans	979	-1,774*	4,818	1,370
Provision for (recovery of) credit losses-unfunded commitments	-375	277*	251	57
Total provision for credit gaines	604	-1,497*	5,069	1,427
Net interest income after provision for credit losses	12,716	14,834*	8,721	12,574
Service charges on deposit accounts	839	660*	696	721
Net gains on sales of residential mortgage loans	145	94*	209	206
Net (losses) gains on sales of commercial loans	-	-4*	-	-
Net loss on sale of equity security	-	-26*	-	-
Swap fee income	30	-212*	228	196
Earnings on bank owned life insurance	245	230*	237	232
Other	228	240*	348	225
Total noninterest income	1,487	980*	1,718	1,580
Salaries and employee benefits	4,328	4,089*	3,800	3,954
Occupancy and equipment	427	469*	444	417
Data processing	769	799*	709	683
Franchise and other taxes	386	499*	303	304
Professional fees	819	567*	828	899
Director fees	167	136*	187	180
Postage, printing and supplies	48	39*	23	46
Advertising and marketing	336	97*	130	84
Telephone	45	57*	43	43
Loan expenses	198	320*	201	196
Foreclosed assets, net	4	-1*	10	3
Depreciation	123	125*	116	118
Fdic premiums	385	498*	506	534
Regulatory assessment	45	71*	33	64
Other insurance	50	46*	49	50
Other	181	150*	344	179
Total noninterest expense	8,311	7,956*	7,726	7,754
Income before incomes taxes	5,892	7,858*	2,713	6,400
Income tax expense	868	1,379*	373	1,365
Net income	5,024	6,479*	2,340	5,035
Earnings allocated to participating securities (series d preferred stock)	155	200*	72	155
Net income attributable to common stockholders	4,869	6,279	2,268	4,880

Basic EPS	0.77	1	0.36	0.77
Diluted EPS	0.77	0.996	0.36	0.77
Basic Average Shares	6,286,297	6,277,091	6,292,698	6,300,427
Diluted Average Shares	6,308,071	6,304,321	6,346,243	6,344,833

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$4,869K
EPS
$0.77
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

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Income Overview

Net Income$4,869KEPS$0.77Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$4,869K
EPS
$0.77
Unit: Thousand (K) dollars