For the quarter ending 2025-12-31, MSBB has $174,193,239 in assets. $149,199,818 in debts. $4,735,234 in cash and cash equivalents.
| Balance Sheets | 2025-12-31 | 2025-09-30 | 2025-06-30 | |
|---|---|---|---|---|
| Cash and due from banks | 2,501,676 | 2,576,165 | 2,045,416 | |
| Interest-bearing deposits in other financial institutions | 1,523,558 | 713,022 | 751,897 | |
| Federal funds sold | 710,000 | 2,074,000 | 1,036,000 | |
| Cash and cash equivalents | 4,735,234 | 5,363,187 | 3,833,313 | |
| Interest-bearing time deposits | 100,000 | 100,000 | 100,000 | |
| Available-for-sale securities, at fair value | 9,823,586 | 9,656,114 | 9,592,745 | |
| Held-to-maturity securities, at amortized cost | 63,435 | 67,723 | 72,638 | |
| Loans held for sale | 7,094,236 | 8,051,398 | 8,854,141 | |
| Loans receivable | 143,060,642 | 143,257,565 | 144,446,231 | |
| Allowance for credit losses | 913,370 | 960,307 | 962,286 | |
| Net loans | 142,147,272 | 142,297,258 | 143,483,945 | |
| Gross premises and equipment | - | 9,659,460 | - | |
| Less accumulated depreciation | - | 4,507,739 | - | |
| Premises and equipment | 5,136,383 | 5,151,721 | 4,802,261 | |
| Federal home loan bank stock | 1,046,900 | 1,208,100 | 1,779,000 | |
| Bank owned life insurance | 1,888,660 | 1,876,454 | 1,864,356 | |
| Accrued interest receivable | 553,245 | 678,357 | 657,181 | |
| Federal home loan bank lender risk account | 428,991 | 434,749 | 449,870 | |
| Deferred federal income taxes | 216,330 | 233,548 | 396,701 | |
| Other assets | 958,967 | 1,053,048 | 1,072,024 | |
| Total assets | 174,193,239 | 176,171,657 | 176,958,175 | |
| Demand - non interest bearing | 17,007,086 | 14,720,941 | - | |
| Demand - interest bearing | 43,683,408 | 43,738,535 | - | |
| Savings and money market | 34,432,859 | 35,242,936 | 37,299,190 | |
| Demand | - | - | 56,036,131 | |
| Time | 51,794,587 | 50,285,617 | 46,529,053 | |
| Total deposits | 146,917,940 | 143,988,029 | 139,864,374 | |
| Advances from the federal home loan bank | 1,000,000 | 6,000,000 | 11,000,000 | |
| Directors plan liability | 358,343 | 370,729 | 380,303 | |
| Accrued interest payable and other liabilities | 923,535 | 1,189,561 | 1,640,767 | |
| Total liabilities | 149,199,818 | 151,548,319 | 152,885,444 | |
| Common stock - authorized 9,000,000 shares of 0.01 par value, issued and outstanding 1,026,135 and 1,027,477 shares at december 31, 2025 and september 30, 2025, respectively | 9,946 | 9,959 | 9,959 | |
| Additional paid-in capital | 8,421,360 | 8,368,876 | 8,329,791 | |
| Shares acquired by esop | 654,367 | 709,269 | 709,269 | |
| Shares issued to irrevocable trust | 96,360 | 96,360 | 96,360 | |
| Shares held in irrevocable trust | 96,360 | 96,360 | 96,360 | |
| Retained earnings | 17,514,888 | 17,343,618 | 17,016,686 | |
| Accumulated other comprehensive loss | -298,406 | -389,846 | -574,436 | |
| Total shareholders' equity | 24,993,421 | 24,623,338 | 24,072,731 | |
| Total liabilities and shareholders' equity | 174,193,239 | 176,171,657 | 176,958,175 | |
Mercer Bancorp, Inc. (MSBB)
Mercer Bancorp, Inc. (MSBB)