Financial insights of EBMT

MyFinsight

For the quarter ending 2025-09-30, EBMT made $59,622K in revenue. $3,630K in net income. Net profit margin of 6.09%.

Income Overview

Revenue
$59,622K
Net Income
$3,630K
Net Profit Margin
6.09%
EPS
$0.46
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
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	2025-03-31	2024-09-30
Interest and fees on loans	25,213	24,442	23,320	23,802
Securities available-for-sale	2,322	2,397	2,451	2,598
Fhlb and frb dividends	225	236	260	266
Other interest income	74	75	38	94
Total interest and dividend income	27,834	27,150	26,069	26,760
Deposits	7,179	6,877	6,871	7,190
Fhlb advances and other borrowings	1,144	1,459	1,626	3,084
Other long-term debt	823	669	670	684
Total interest expense	9,146	9,005	9,167	10,958
Net interest income	18,688	18,145	16,902	15,802
Provision for credit losses	62	1,038	42	277
Noninterest income revenue-Bank Servicing	-	2,926	-	-
Net interest income after provision for credit losses	18,626	17,107	16,860	15,525
Noninterest income revenue-Deposit Account	442	393	-	-
Noninterest income revenue-Bank Servicing	2,926	-	-	-
Noninterest income revenue-Debit Card	691	-	-	-
Appreciation in cash surrender value of life insurance	384	393	350	314
Noninterest income revenue	-	-	3,107	3,694
Noninterest income revenue-Debit Card	-	670	-	-
Bank owned life insurance benefit gain	-	-	-	724
Other noninterest income	274	425	559	251
Total noninterest income	4,717	4,807	4,016	4,983
Salaries and employee benefits	11,193	10,645	9,664	9,894
Occupancy and equipment expense	2,274	2,230	2,302	2,134
Data processing	1,326	1,305	1,330	1,587
Software subscriptions	680	715	658	-
Advertising	308	280	232	277
Amortization	288	298	320	337
Loan costs	382	354	372	385
Federal deposit insurance corporation ('fdic') insurance premiums	-231	-257	-231	-295
Professional and examination fees	401	391	520	438
Other noninterest expense	1,304	1,451	1,377	1,923
Total noninterest expense	18,387	17,926	17,006	17,270
Income before provision for income taxes	4,956	3,988	3,870	3,238
Provision for income taxes	1,326	751	631	529
Net income	3,630	3,237	3,239	2,709

Basic earnings per common share (in dollars per share)	0.47	0.42	0.41	0.35
Basic weighted average shares outstanding (in shares)	7,796,304	7,791,320	7,812,248	7,836,921
Diluted earnings per common share (in dollars per share)	0.46	0.41	0.41	0.34
Diluted weighted average shares outstanding (in shares)	7,828,570	7,812,656	7,823,636	7,860,138

MyFinsight

Income Overview

Revenue
$59,622K
Net Income
$3,630K
Net Profit Margin
6.09%
EPS
$0.46
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
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
$59,622K
Net Income
$3,630K
Net Profit Margin
6.09%
EPS
$0.46
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
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$59,622KNet Income$3,630KNet Profit Margin6.09%EPS$0.46Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsDepositsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$59,622KNet Income$3,630KNet Profit Margin6.09%EPS$0.46Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsDepositsOthers

Time Plot

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

Income Statement

Revenue
$59,622K
Net Income
$3,630K
Net Profit Margin
6.09%
EPS
$0.46
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Deposits
Others

Revenue
$59,622K
Net Income
$3,630K
Net Profit Margin
6.09%
EPS
$0.46
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Deposits
Others