Financial insights of MNSBP

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$4,100K
EPS
$0.48
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Net loss on securities called or matured	-	0*	0	0
Loss on equity securities	-	-51*	0	103
Deposit account service charges	573	542*	557	538
Bank owned life insurance income	319	309*	316	308
Loss on retirement of subordinated debt	0	-46*	145	68
Loss on sale of other real estate owned	-685	-	-	-
Other non-interest income	200	-7*	104	49
Total non-interest income	407	745*	1,122	1,066
Interest and fees on loans	29,518	27,950*	30,688	32,443
U.s. government agencies	23	32*	-	34
Mortgage-backed securities	84	73*	85	94
Tax-exempt securities	287	271*	270	267
Taxable securities	55	55*	64	64
Other	256	198*	286	239
Interest on interest-bearing deposits at other financial institutions	10	-1,360*	11	932
Interest on federal funds sold	985	2,631*	1,060	213
Total interest income	31,218	29,847*	32,464	34,286
Interest on interest-bearing demand deposits	890	1,075*	1,071	1,004
Interest on savings and now deposits	389	182*	467	391
Interest on money market deposits	3,991	4,857*	4,623	4,707
Interest on time deposits	7,650	8,793*	8,369	8,595
Interest on federal funds purchased	25	51*	28	0
Interest on federal home loan bank advances	-	0*	0	0
Interest on subordinated debt	779	799*	804	799
Total interest expense	13,724	15,756*	15,362	15,496
Net interest income	17,494	14,091*	17,102	18,790
Provision for credit gaines - loans	0	773*	-66	-528
Provision for credit gaines - off-balance sheet credit exposure	-131	-244*	210	-15
Net interest income after provision for credit losses	17,625	13,562*	16,958	19,333
Salaries and employee benefits	7,551	8,120*	7,366	8,279
Furniture and equipment expenses	758	930*	799	1,141
Advertising and marketing	296	400*	571	530
Occupancy expenses	365	330*	400	318
Outside services	460	904*	625	1,290
Franchise tax	551	526*	524	524
Fdic insurance	390	20*	560	850
Data processing	367	373*	375	357
Administrative expenses	241	203*	259	270
Computer software intangible impairment	-	0*	-	-
Other real estate owned expenses	220	-	-	-
Other operating expenses	1,475	1,629*	1,188	1,186
Total non-interest expense	12,674	13,433*	12,667	14,745
Income before income taxes	5,358	874*	5,413	5,654
Income tax expense	1,258	538*	896	1,064
Net income	4,100	336*	4,517	4,590
Preferred stock dividends	-	539*	-	-
Net income (loss) available to common shareholders	-	-203	-	-

Basic EPS	0.48	-0.027	0.52	0.53
Diluted EPS	0.48	0.44*	0.52	0.53
Basic Average Shares	7,484,310	7,548,196	7,704,639	7,704,677

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

MyFinsight

Income Overview

Net Income
$4,100K
EPS
$0.48
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
$4,100K
EPS
$0.48
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$4,100KEPS$0.48Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$4,100KEPS$0.48Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$4,100K
EPS
$0.48
Unit: Thousand (K) dollars

Net Income
$4,100K
EPS
$0.48
Unit: Thousand (K) dollars