Financial insights of ISBA

MyFinsight

For the quarter ending 2025-09-30, ISBA made $51,895K in revenue. $5,240K in net income. Net profit margin of 10.10%.

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

Income Statement	2025-09-30	2025-06-30
Loans	20,583	19,832
Afs securities	2,994	3,032
Fhlb stock	70	125
Federal funds sold and other	1,235	253
Total interest income	24,882	23,242
Deposits	8,012	7,391
Short-term borrowings	441	324
Fhlb advances	0	132
Subordinated debt	267	266
Total interest expense	8,720	8,113
Net interest income	16,162	15,129
Provision (reversal) for credit losses	209	-1,099
Net interest income after provision for credit losses	15,953	16,228
Service charges and fees	2,352	2,071
Wealth management fees	1,074	1,084
Earnings on boli	468	300
Net gain on sale of mortgage loans	38	47
Other	376	184
Total noninterest income	4,308	3,686
Compensation and benefits	7,630	7,496
Occupancy and equipment	2,628	2,650
Other professional services	851	863
Atm and debit card fees	595	555
Marketing	514	469
Fdic insurance premiums	271	267
Other losses	47	339
Other	1,449	1,106
Total noninterest expenses	13,985	13,745
Income before income tax expense	6,276	6,169
Income tax expense	1,036	1,138
Net income	5,240	5,031

Average number of common shares outstanding for basic calculation	7,357,977	7,383,338
Average number of common shares outstanding used to calculate diluted earnings per common share	7,371,652	7,398,109
Basic (in dollars per share)	0.71	0.68
Diluted (in dollars per share)	0.71	0.68