Financial insights of EFSI

MyFinsight

For the year ending 2025-12-31.

Income Overview

Net Income
$8,214K
EPS
$1.59
Unit: Thousand (K) dollars

Income Statement	2025-12-31
Interest and fees on loans	82,370
Taxable interest income	4,404
Interest income exempt from federal income taxes	3
Dividends	388
Interest on deposits in banks	11,605
Interest on federal funds sold	235
Total interest and dividend income	99,005
Interest on deposits	32,179
Interest on federal home loan bank advances	2,795
Interest on subordinated debt	1,417
Total interest expense	36,391
Net interest income	62,614
Provision for credit losses	3,701
Net interest income after provision for credit losses	58,913
Wealth management fees	7,457
Service charges on deposit accounts	2,141
Other service charges and fees	4,192
(loss) gain on the sale and disposal of bank premises and equipment	19
(loss) on sale of securities	12,425
Gain on sale of loans	3,375
Small business investment company income	251
Bank owned life insurance income	1,099
Other operating income	812
Total noninterest income	6,883
Salaries and employee benefits	33,203
Occupancy expenses	2,614
Equipment expenses	1,703
Advertising and marketing expenses	861
Stationery and supplies	134
Atm network fees	1,345
Other real estate owned expense	20
Loss on sale of other real estate owned	-51
Loss on the sale of repossessed assets	-302
Fdic assessment	948
Computer software expense	1,369
Bank franchise tax	1,524
Professional fees	2,420
Data processing fees	2,210
Loan servicing expense	1,116
Other operating expenses	6,051
Total noninterest expenses	55,871
Income before income taxes	9,925
Income tax expense	1,711
Net income	8,214

Basic EPS	1.59
Diluted EPS	1.59
Basic Average Shares	5,178,488
Diluted Average Shares	5,178,488

MyFinsight

Income Overview

Net Income
$8,214K
EPS
$1.59
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income
$8,214K
EPS
$1.59
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income$8,214KEPS$1.59Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$8,214KEPS$1.59Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$8,214K
EPS
$1.59
Unit: Thousand (K) dollars

Net Income
$8,214K
EPS
$1.59
Unit: Thousand (K) dollars