| Cash Flow | 2025-06-30 |
|---|---|
| Share based compensation | 42,759 |
| Net income | 645,373 |
| Proceeds from sales of loans | 1,653,427 |
| Esop compensation expense | 68,538 |
| Loans originated for sale | 1,639,617 |
| Increase in cash surrender value of bank-owned life insurance | 35,176 |
| Other liabilities | 782,844 |
| Other assets | 1,313 |
| Accrued interest receivable | -28,334 |
| Gain on sale of loans | 21,120 |
| Depreciation and amortization | 290,719 |
| Deferred income taxes | -46,391 |
| Amortization of deferred loan fees | 59,408 |
| Amortization of premiums and discounts | 8,922 |
| Provision for credit losses | 66,000 |
| Gain on sale of foreclosed assets | 6,982 |
| Net cash provided by (used in) operating activities | 1,776,909 |
| Proceeds from sale of foreclosed assets | 54,300 |
| Proceeds from redemption of fhlb stock | 173,600 |
| Principal repayments on securities held-to-maturity | 19,575 |
| Proceeds from calls, maturities and paydowns of available-for-sale securities | 1,479,830 |
| Purchase of premises and equipment | 2,354,332 |
| Purchases of fhlb stock | 80,100 |
| Purchases of available-for-sale securities | 277,432 |
| Net change in loans | -3,221,828 |
| Net cash provided (used in) investing activities | 2,237,269 |
| Proceeds from fhlb advances - short term | 71,000,000 |
| Purchase of treasury shares | 385,878 |
| Net increase in deposits | 5,307,417 |
| Repayment of fhlb advances - short term | 82,000,000 |
| Net cash (used in) provided by financing activities | -6,078,461 |
| Increase in cash and cash equivalents | -2,064,283 |
Mercer Bancorp, Inc. (MSBB)
Mercer Bancorp, Inc. (MSBB)