Financial insights of FSBC

MyFinsight

For the quarter ending 2025-09-30, FSBC made $108,888K in revenue. $16,344K in net income. Net profit margin of 15.01%.

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

Income Statement	2025-09-30	2025-06-30
Loans, including fees	59,257	56,016
Taxable securities	415	403
Nontaxable securities	164	174
Interest-bearing deposits in banks	5,009	3,987
Total interest and fee income	64,845	60,580
Deposits	24,336	22,904
Subordinated notes	1,161	1,161
Other borrowings	0	0
Total interest expense	25,497	24,065
Net interest income	39,348	36,515
Provision for credit losses	2,500	2,500
Net interest income after provision for credit losses	36,848	34,015
Service charges on deposit accounts	185	196
Gain on sale of loans	0	119
Loan-related fees	683	468
Fhlb stock dividends	329	325
Earnings on boli	209	220
Other	560	482
Total non-interest income	1,966	1,810
Salaries and employee benefits	9,716	8,910
Occupancy and equipment	700	657
Data processing and software	1,559	1,508
Fdic insurance	500	470
Professional services	932	918
Advertising and promotional	803	865
Loan-related expenses	317	423
Other operating expenses	2,053	1,975
Total non-interest expense	16,580	15,726
Income before provision for income taxes	22,234	20,099
Provision for income taxes	5,890	5,591
Net income	16,344	14,508

Basic earnings per common share (in usd per share)	0.77	0.68
Basic weighted average common shares outstanding (in shares)	21,231,563	21,225,831
Diluted earnings per common share (in usd per share)	0.77	0.68
Total dilutive weighted average common shares outstanding (in shares)	21,281,818	21,269,265