Financial insights of COSO

MyFinsight

For the quarter ending 2025-09-30, COSO made $60,556K in revenue. $6,741K in net income. Net profit margin of 11.13%.

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

Income Statement	2025-09-30	2025-06-30
Loans held for investment	24,598	23,813
Loans held for sale	3,422	3,296
Taxable	3,907	3,666
Non-taxable	114	94
Non-marketable equity securities	104	114
Federal funds sold	616	699
Other earning assets from banks	129	111
Total interest income	32,890	31,793
Interest-bearing deposits	13,274	13,251
Other borrowings	426	464
Total interest expense	13,700	13,715
Net interest income	19,190	18,078
Provision (recovery) for credit losses	653	752
Net interest income after provision for credit losses	18,537	17,326
Bank-owned life insurance	461	449
Income from mortgage originations	299	326
Gain on sale of government guaranteed loans	613	265
Noninterest income-Interchange Income And Card Fees	238	-
Noninterest income-Service Charges On Deposit Accounts	208	-
Noninterest income-Interchange Income And Card Fees	-	257
Noninterest income-Service Charges On Deposit Accounts	-	215
Losses on sale of available-for-sale securities	-10	-
Other noninterest income	291	283
Total noninterest income	2,100	1,795
Salaries and employee benefits	6,985	6,997
Occupancy and equipment	850	814
Software and other technology expense	788	719
Other professional services	571	973
Data processing	647	652
Regulatory assessment	419	344
Other noninterest expense	1,596	1,593
Total noninterest expense	11,856	12,092
Income before taxes	8,781	7,029
Income tax provision	2,040	1,064
Net income	6,741	5,965

Diluted	0.54	0.57
Earnings per share, basic	0.57	0.58
Weighted average number of shares outstanding, diluted	12,325,462	10,612,255