For the quarter ending 2025-09-30, PBBK made $12,310,000 in revenue. $519,000 in net income. Net profit margin of 4.22%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 5,319,000 | 5,238,000 | 5,166,000 | 4,806,000 |
| Securities | 333,000 | 370,000 | 338,000 | 316,000 |
| Other | 625,000 | 650,000 | 463,000 | 652,500 |
| Total interest and dividend income | 6,277,000 | 6,258,000 | 5,967,000 | 5,774,500 |
| Deposits | 2,526,000 | 2,617,000 | 2,532,000 | 2,600,500 |
| Borrowings | 374,000 | 368,000 | 365,000 | 433,000 |
| Total interest expense | 2,900,000 | 2,985,000 | 2,897,000 | 3,099,250 |
| Net interest income | 3,377,000 | 3,273,000 | 3,070,000 | 2,741,000 |
| Provision for credit losses | -5,000 | 40,000 | 61,000 | -44,000 |
| Net interest income after provision for credit losses | 3,382,000 | 3,233,000 | 3,009,000 | 2,785,000 |
| Revenue under 606 | - | - | 186,000 | 386,500 |
| Revenue under 606-Deposit Account | 40,000 | 51,000 | - | - |
| Gain (loss) on equity securities | 8,000 | 3,000 | 12,000 | -16,500 |
| Bank owned life insurance income | 57,000 | 56,000 | 56,000 | 54,500 |
| Revenue under 606-Debit Card | 59,000 | 55,000 | - | - |
| Revenue under 606-Financial Service Other | 12,000 | 14,000 | - | - |
| Revenue under 606-Other Noninterest | 67,000 | 102,000 | - | - |
| Total noninterest income | 243,000 | 281,000 | 254,000 | 424,500 |
| Salaries and employee benefits | 1,449,000 | 1,553,000 | 1,470,000 | 1,345,500 |
| Occupancy and equipment | 206,000 | 191,000 | 226,000 | 180,000 |
| Data and item processing | 226,000 | 231,000 | 227,000 | 299,500 |
| Merger expenses | 335,000 | - | - | - |
| Advertising and marketing | 31,000 | 39,000 | 33,000 | 56,000 |
| Professional fees | 150,000 | 178,000 | 204,000 | 231,500 |
| Directors' fees | 108,000 | 106,000 | 107,000 | 107,500 |
| Fdic insurance premiums | 55,000 | 46,000 | 48,000 | 51,000 |
| Pennsylvania shares tax | 88,000 | 87,000 | 88,000 | 76,500 |
| Debit card expenses | 39,000 | 38,000 | 35,000 | 42,500 |
| Other | 208,000 | 233,000 | 223,000 | 189,500 |
| Total noninterest expenses | 2,895,000 | 2,702,000 | 2,661,000 | 2,579,500 |
| Income before income tax expense | 730,000 | 812,000 | 602,000 | 630,000 |
| Income tax expense | 211,000 | 172,000 | 129,000 | 131,000 |
| Net income | 519,000 | 640,000 | 473,000 | 499,000 |
| Earnings per share, basic | 0.22 | 0.28 | 0.2 | 0.215 |
| Earnings per share, diluted | 0.22 | 0.27 | 0.2 | 0.21 |
| Weighted average number of shares outstanding, basic | 2,307,241 | 2,307,171 | 2,306,553 | -1,140,206.5 |
| Weighted average number of shares outstanding, diluted | 2,403,151 | 2,351,588 | 2,333,785 | -1,162,533.5 |
PB Bankshares, Inc. (PBBK)
PB Bankshares, Inc. (PBBK)