Financial insights of EFSI

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$3,740K
EPS
$0.69
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	20,713	20,675*	20,722	20,409
Taxable interest income	1,230	752*	1,293	1,142
Interest income exempt from federal income taxes	0	3*	0	0
Dividends	76	123*	60	117
Interest on deposits in banks	1,698	1,311*	3,803	3,060
Interest on federal funds sold	109	22*	55	87
Total interest and dividend income	23,826	22,884*	25,933	24,815
Interest on deposits	7,225	7,956*	7,886	8,263
Interest on federal home loan bank advances	344	1,306*	494	499
Interest on subordinated debt	354	354*	354	355
Total interest expense	7,923	9,615*	8,734	9,117
Net interest income	15,903	13,269*	17,199	15,698
Provision for credit losses	1,961	1,031*	1,112	668
Net interest income after provision for credit losses	13,942	12,238*	16,087	15,030
Wealth management fees	1,782	2,242*	1,827	1,650
Service charges on deposit accounts	556	529*	558	517
Other service charges and fees	921	876*	1,151	1,060
(loss) on the sale of bank premises and equipment	0	16*	2	0
(loss) on the sale of securities	0	12,425*	0	0
Gain on sale of loans	1,012	201*	1,012	1,104
Small business investment company income	266	-35*	58	133
Bank owned life insurance income	284	280*	268	278
Other operating income	107	110*	293	175
Total noninterest income (gain)	4,928	-8,240*	5,165	4,917
Salaries and employee benefits	8,229	9,251*	8,717	7,845
Occupancy expenses	666	681*	691	598
Equipment expenses	462	446*	437	401
Advertising and marketing expenses	191	158*	317	152
Stationery and supplies	46	26*	37	35
Atm network fees	327	357*	327	332
Other real estate owned expense	-	5*	-	-
Other real estate owned expense (gain), net	-5	-13*	-	-
Loss on the sale of repossessed assets	-39	-302*	0	0
Fdic assessment	227	309*	172	254
Computer software expense	354	298*	389	325
Bank franchise tax	481	371*	388	381
Professional fees	604	719*	493	641
Data processing fees	486	557*	469	633
Loan servicing expense	269	279*	-	-
Other operating expenses	1,836	488*	1,907	1,802
Total noninterest expenses	14,212	14,257*	14,344	13,399
Income (gain) before income taxes	4,658	-10,259*	6,908	6,548
Income tax expense (benefit)	918	-2,192*	1,324	1,278
Net income (gain)	3,740	-8,067	5,584	5,270

Basic EPS	0.69	-1.687	1.04	0.98
Diluted EPS	0.69	-1.687	1.04	0.98
Basic Average Shares	5,412,021	4,780,904	5,376,346	5,378,214
Diluted Average Shares	5,412,021	4,780,904	5,376,346	5,378,214

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

MyFinsight

Income Overview

Net Income
$3,740K
EPS
$0.69
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
$3,740K
EPS
$0.69
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$3,740KEPS$0.69Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$3,740KEPS$0.69Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$3,740K
EPS
$0.69
Unit: Thousand (K) dollars

Net Income
$3,740K
EPS
$0.69
Unit: Thousand (K) dollars