Financial insights of ISTR

MyFinsight

For the quarter ending 2025-09-30, ISTR made $40,524K in revenue. $5,651K in net income. Net profit margin of 13.94%.

Income Overview

Revenue
$40,524K
Net Income
$5,651K
Net Profit Margin
13.94%
EPS
$0.54
Unit: Thousand (K) dollars
Revenue Breakdown
Income before noninterest expens...
Salaries and employee benefits
Other operating expenses
Others

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

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Legal settlement	-	-	-	1,122
Gain (loss) on call or sale of investment securities, net	-	-	-	1
Interest on deposits	-	-	14,640	15,729
Other operating income	-	-	457	561
Interest on borrowings	-	-	1,449	3,263
(loss) gain on sale of other real estate owned, net	-	-	-	-4
(loss) gain on sale or disposition of fixed assets, net	-	-	-3	-
Total interest expense	-	-	16,089	18,992
Change in the fair value of equity securities	-	-	-76	174
Taxable	-	-	2,679	2,755
Income from bank owned life insurance	-	-	448	459
Tax-exempt	-	-	671	228
Total noninterest income	-	-	2,011	3,544
Other interest income	-	-	532	1,101
Interest and fees on loans	-	-	30,552	32,764
Total interest income	-	-	34,434	36,848
Net interest income	-	-	18,345	17,856
Provision for credit losses	-	-	-3,596	-945
Net interest income after provision for credit losses	-	-	21,941	18,801
Income before noninterest expense	23,998	22,129	1,185	1,231
Depreciation and amortization	683	710	721	760
Salaries and employee benefits	10,302	10,257	9,603	9,982
Occupancy	679	675	641	652
Data processing	831	914	897	880
Income before noninterest expense	-	-	23,952	22,345
Marketing	101	112	111	121
Professional fees	496	468	591	473
Gain on early extinguishment of subordinated debt	0	0	-	-
Acquisition expense	246	182	-	-
Other operating expenses	3,188	3,382	3,674	3,312
Total noninterest expense	16,526	16,700	16,238	16,180
Income before income tax expense	7,472	5,429	7,714	6,165
Income tax expense	1,293	935	1,421	784
Net income	6,179	4,494	6,293	5,381
Preferred stock dividends declared	528	-	-	-
Net income available to common shareholders	5,651	-	-	-

Basic earnings per common share (in dollars per share)	0.57	0.46	0.64	0.55
Diluted earnings per common share (in dollars per share)	0.54	0.46	0.63	0.54
Us-gaap_weightedaveragenumberofdilutedsharesoutstanding	11,527,876	9,958,394	9,960,940	9,902,448
Weighted average basic shares outstanding (in shares)	9,830,387	9,844,351	9,832,625	9,828,776

MyFinsight

Income Overview

Revenue
$40,524K
Net Income
$5,651K
Net Profit Margin
13.94%
EPS
$0.54
Unit: Thousand (K) dollars
Revenue Breakdown
Income before noninterest expens...
Salaries and employee benefits
Other operating expenses
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue
$40,524K
Net Income
$5,651K
Net Profit Margin
13.94%
EPS
$0.54
Unit: Thousand (K) dollars
Revenue Breakdown
Income before noninterest expens...
Salaries and employee benefits
Other operating expenses
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$40,524KNet Income$5,651KNet Profit Margin13.94%EPS$0.54Unit: Thousand (K) dollarsRevenue BreakdownIncome before noninterest expens...Salaries and employee benefitsOther operating expensesOthers

Time Plot

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

Income Statement

Income Overview

Revenue$40,524KNet Income$5,651KNet Profit Margin13.94%EPS$0.54Unit: Thousand (K) dollarsRevenue BreakdownIncome before noninterest expens...Salaries and employee benefitsOther operating expensesOthers

Time Plot

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

Income Statement

Revenue
$40,524K
Net Income
$5,651K
Net Profit Margin
13.94%
EPS
$0.54
Unit: Thousand (K) dollars
Revenue Breakdown
Income before noninterest expens...
Salaries and employee benefits
Other operating expenses
Others

Revenue
$40,524K
Net Income
$5,651K
Net Profit Margin
13.94%
EPS
$0.54
Unit: Thousand (K) dollars
Revenue Breakdown
Income before noninterest expens...
Salaries and employee benefits
Other operating expenses
Others