Financial insights of MNSB

MyFinsight

For the quarter ending 2025-09-30, MNSB made $61,549K in revenue. $4,517K in net income. Net profit margin of 7.34%.

Income Overview

Revenue
$61,549K
Net Income
$4,517K
Net Profit Margin
7.34%
EPS
$0.52
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on time deposits
Salaries and employee benefits
Others

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

Income Statement	2025-09-30	2025-06-30	2024-09-30	2024-06-30
Interest and fees on loans	30,688	32,443	31,615	31,546
Interest on federal funds sold and interest-bearing deposits	-	-	1,285	1,083
Mortgage-backed securities	85	94	85	94
Tax-exempt securities	-	-	294	268
U.s. government agencies	-	34	-	-
Tax-exempt securities-USStates And Political Subdivisions	270	267	-	-
Taxable securities	-	-	64	64
Taxable securities-USStates And Political Subdivisions	64	64	-	-
Other	286	239	248	272
Interest on interest-bearing deposits at other financial institutions	11	932	-	-
Interest on federal funds sold	1,060	213	-	-
Total interest income	32,464	34,286	33,591	33,327
Interest on interest-bearing demand deposits	1,071	1,004	2,117	2,172
Interest on savings and now deposits	467	391	206	190
Interest on money market deposits	4,623	4,707	5,277	5,638
Interest on time deposits	8,369	8,595	9,543	9,027
Interest on federal funds purchased	28	0	277	191
Interest on federal home loan bank advances	0	0	-	-
Interest on subordinated debt	804	799	828	820
Total interest expense	15,362	15,496	18,248	18,038
Net interest income	17,102	18,790	15,343	15,289
Provision for credit losses - loans	-66	-528	3,125	931
Provision for credit losses - off-balance sheet credit exposure	210	-15	-212	-293
Net interest income after provision for credit losses	16,958	19,333	12,430	14,651
Deposit account service charges	557	538	557	490
Bank owned life insurance income	316	308	302	291
Gain on retirement of subordinated debt	145	68	-	-
Net loss on securities called or matured	0	0	-	-48
Gain on equity securities	0	103	-	-
Other non-interest income	104	49	27	140
Total non-interest income	1,122	1,066	886	873
Salaries and employee benefits	7,366	8,279	7,250	7,484
Furniture and equipment expenses	799	1,141	931	940
Advertising and marketing	571	530	579	566
Occupancy expenses	400	318	407	415
Outside services	625	1,290	845	839
Franchise tax	524	524	-	-
Fdic insurance	560	850	-	-
Data processing	375	357	-	-
Administrative expenses	259	270	215	229
Other operating expenses	1,188	1,186	2,992	2,195
Total non-interest expense	12,667	14,745	13,219	12,668
Income before income taxes	5,413	5,654	97	2,856
Income tax expense (benefit)	896	1,064	-168	238
Net income	4,517	4,590	265	2,618

Basic and diluted earnings (loss) per common share (in dollars per share)	0.52	0.53	-0.04	0.27
Diluted (in dollars per share)	0.52	0.53	-0.04	0.27
Weighted average number of common shares issued, basic and diluted (in shares)	7,704,639	7,704,677	7,601,925	7,608,389

MyFinsight

Income Overview

Revenue
$61,549K
Net Income
$4,517K
Net Profit Margin
7.34%
EPS
$0.52
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on time deposits
Salaries and employee benefits
Others

Time Plot

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

Income Statement

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Income Overview

Revenue
$61,549K
Net Income
$4,517K
Net Profit Margin
7.34%
EPS
$0.52
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on time deposits
Salaries and employee benefits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$61,549KNet Income$4,517KNet Profit Margin7.34%EPS$0.52Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on time depositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$61,549KNet Income$4,517KNet Profit Margin7.34%EPS$0.52Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on time depositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Revenue
$61,549K
Net Income
$4,517K
Net Profit Margin
7.34%
EPS
$0.52
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on time deposits
Salaries and employee benefits
Others

Revenue
$61,549K
Net Income
$4,517K
Net Profit Margin
7.34%
EPS
$0.52
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on time deposits
Salaries and employee benefits
Others