Financial insights of FSBC

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$18,621K
EPS
$0.87
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans, including fees	62,116	56,305*	59,257	56,016
Taxable securities	386	399*	415	403
Nontaxable securities	158	165*	164	174
Interest-bearing deposits in banks	4,687	3,927*	5,009	3,987
Total interest and fee income	67,347	60,796*	64,845	60,580
Deposits	22,729	21,522*	24,336	22,904
Subordinated notes	1,161	1,163*	1,161	1,161
Other borrowings	0	0*	0	0
Total interest expense	23,890	22,685*	25,497	24,065
Net interest income	43,457	38,111*	39,348	36,515
Provision for credit losses	2,675	2,200*	2,500	2,500
Net interest income after provision for credit losses	40,782	35,911*	36,848	34,015
Service charges on deposit accounts	135	184*	185	196
Net gain (loss) on sale of securities	-	0*	-	-
Gain on sale of loans	0	66*	0	119
Loan-related fees	1,265	430*	683	468
Fhlb stock dividends	762	336*	329	325
Earnings on bank-owned life insurance (boli)	225	181*	209	220
Other	-744	-324*	560	482
Total non-interest income	1,643	871*	1,966	1,810
Salaries and employee benefits	11,430	9,946*	9,716	8,910
Occupancy and equipment	829	747*	700	657
Data processing and software	1,551	1,521*	1,559	1,508
Federal deposit insurance corporation (fdic) insurance	545	495*	500	470
Professional services	926	948*	932	918
Advertising and promotional	744	676*	803	865
Loan-related expenses	247	313*	317	423
Other operating expenses	1,122	1,904*	2,053	1,975
Total non-interest expense	17,394	16,549*	16,580	15,726
Income before provision for income taxes	25,031	20,233*	22,234	20,099
Provision for income taxes	6,410	4,905*	5,890	5,591
Net income	18,621	15,328	16,344	14,508

Basic EPS	0.87	0.722	0.77	0.68
Diluted EPS	0.87	0.721	0.77	0.68
Basic Average Shares	21,253,085	21,216,970	21,231,563	21,225,831
Diluted Average Shares	21,313,078	21,269,573	21,281,818	21,269,265

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

MyFinsight

Income Overview

Net Income
$18,621K
EPS
$0.87
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
$18,621K
EPS
$0.87
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$18,621KEPS$0.87Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$18,621KEPS$0.87Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$18,621K
EPS
$0.87
Unit: Thousand (K) dollars

Net Income
$18,621K
EPS
$0.87
Unit: Thousand (K) dollars