Financial insights of EFSCP

MyFinsight

For the quarter ending 2025-09-30, EFSCP made $451,208K in revenue. $44,297K in net income. Net profit margin of 9.82%.

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

Income Statement	2025-09-30
Loans	191,397
Taxable	21,175
Nontaxable	8,650
Interest-earning deposits	3,638
Dividends on equity securities	530
Total interest income	225,390
Deposits	61,615
Subordinated debentures and notes	2,683
Fhlb advances	1,207
Other borrowings	1,599
Total interest expense	67,104
Net interest income	158,286
Provision for credit losses	8,447
Net interest income after provision for credit losses	149,839
Deposit Account	4,935
Fiduciary And Trust	2,571
Card Services Revenue	2,535
Taxcreditactivitynet	-300
Financial Service Other	38,883
Total noninterest income	48,624
Employee compensation and benefits	49,640
Deposit costs	27,172
Occupancy	4,895
Data processing	5,022
Professional fees	2,620
Other expense	20,441
Total noninterest expense	109,790
Income before income tax expense	88,673
Income tax expense (includes 32.1 million related to recaptured tax credits for the three and nine months ended september 30, 2025) (note 13)	43,438
Net income	45,235
Dividends on preferred stock	938
Net income available to common stockholders	44,297

Basic (usd per share)	1.2
Diluted (usd per share)	1.19
Weighted average common shares outstanding (in shares)	37,015,000
Weighted average diluted common shares outstanding (in shares)	37,333,000