Financial insights of FMBH

MyFinsight

For the quarter ending 2025-09-30, FMBH made $207,892K in revenue. $22,462K in net income. Net profit margin of 10.80%.

Income Overview

Revenue
$207,892K
Net Income
$22,462K
Net Profit Margin
10.80%
EPS
$0.94
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

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

Income Statement	2025-09-30	2025-06-30	2024-09-30
Interest and fees on loans	87,020	84,784	81,775
Interest on investment securities	7,659	6,895	7,036
Interest on certificates of deposit	23	28	39
Interest on federal funds sold	1	0	28
Interest on deposits with other financial institutions	1,432	1,694	2,304
Total interest income	96,135	93,401	91,182
Interest on fhlb borrowings	-	2,043	2,194
Interest on deposits	25,179	24,964	28,341
Interest on securities sold under agreements to repurchase	1,105	1,218	1,444
Interest on other borrowings	2,186	0	1
Interest on junior subordinated debentures	452	464	567
Interest on subordinated debentures	850	849	1,092
Total interest expense	29,772	29,538	33,639
Net interest income	66,363	63,863	57,543
Provision for credit losses	3,353	2,567	1,266
Net interest income after provision for credit losses	63,010	61,296	56,277
Wealth management revenues	5,145	5,394	-
Insurance commissions	7,089	7,840	6,003
Service charges	3,240	2,995	3,121
Revenue from contract with customer, atm & debit card	-	-	4,267
Investment securities losses, net	-1,930	0	-277
Mortgage banking revenue, net	1,255	1,070	1,109
Atm/debit card revenue	4,182	4,636	5,816
Bank owned life insurance	1,255	1,206	1,196
Other	2,673	452	1,788
Total other income	22,909	23,593	23,023
Salaries and employee benefits	33,570	33,623	31,565
Net occupancy and equipment expense	9,196	7,869	8,055
Net other real estate owned expense	217	75	107
Fdic insurance	874	873	829
Amortization of intangible assets	3,128	3,121	3,405
Stationery and supplies	411	367	482
Legal and professional	2,454	2,757	2,573
Atm/debit card	2,052	1,144	1,869
Marketing and donations	959	777	836
Other	4,285	4,156	4,212
Total other expense	57,146	54,762	53,933
Income before income taxes	28,773	30,127	25,367
Income taxes	6,311	6,689	5,885
Net income	22,462	23,438	19,482

Diluted weighted average common shares outstanding	23,997,198	23,988,974	24,006,647
Earnings per share, basic, total	0.94	0.98	0.81
Earnings per share, diluted, total	0.94	0.98	0.81
Weighted average number of shares outstanding, basic, total	23,876,020	23,867,592	23,905,099

MyFinsight

Income Overview

Revenue
$207,892K
Net Income
$22,462K
Net Profit Margin
10.80%
EPS
$0.94
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue
$207,892K
Net Income
$22,462K
Net Profit Margin
10.80%
EPS
$0.94
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$207,892KNet Income$22,462KNet Profit Margin10.80%EPS$0.94Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on depositsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$207,892KNet Income$22,462KNet Profit Margin10.80%EPS$0.94Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on depositsOthers

Time Plot

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

Income Statement

Revenue
$207,892K
Net Income
$22,462K
Net Profit Margin
10.80%
EPS
$0.94
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Revenue
$207,892K
Net Income
$22,462K
Net Profit Margin
10.80%
EPS
$0.94
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others