For the year ending 2025-12-31, PFSB has $206,911K in assets. $167,858K in debts.
| Balance Sheets | 2025-12-31 | |||
|---|---|---|---|---|
| Cash and cash equivalents - cash and due from bank | 15,494 | |||
| Available-for-sale debt securities (net of credit losses of 0 at december 31, 2025 and december 31, 2024, respectively, amortized cost of 68,943 and 71,289 at december 31, 2025 and december 31, 2024, respectively) | 66,930 | |||
| Gross unrealized gains | 87 | |||
| Gross unrealized losses | 108 | |||
| Held-to-maturity fair value | 6,184 | |||
| Held-to-maturity debt securities (net of allowance for credit losses of 0 as of december 31, 2025 and december 31, 2024) | 6,205 | |||
| Equity securities | 408 | |||
| Total loans | 109,595 | |||
| Deferred loan costs | 116 | |||
| Allowance for credit losses | 842 | |||
| Loans, net of allowance for credit losses of 842 and 700 at december 31, 2025 and december 31, 2024 | 108,869 | |||
| Premises and equipment, net of accumulated depreciation of 2,941 and 2,811 at december 31, 2025 and december 31, 2024 | 1,992 | |||
| Federal home loan bank stock | 354 | |||
| Interest receivable | 757 | |||
| Cash surrender value of bank-owned life insurance | 4,086 | |||
| Deferred income taxes | 1,057 | |||
| Mortgage servicing rights | 208 | |||
| Other | 551 | |||
| Total assets | 206,911 | |||
| Demand | 18,783 | |||
| Savings, now and money market | 72,671 | |||
| Time | 75,024 | |||
| Total deposits | 166,478 | |||
| Deferred compensation | 691 | |||
| Income tax payable | 341 | |||
| Interest payable and other liabilities | 348 | |||
| Total liabilities | 167,858 | |||
| Common stock, 0.01 par value, 14,000,000 shares authorized, 1,725,000 issued, 1,562,319 and 1,679,307 outstanding at december 31, 2025 and december 31, 2024 | 17 | |||
| Additional paid in capital | 15,705 | |||
| Unallocated common stock of esop | 1,214 | |||
| Treasury stock - 162,681 shares at december 31, 2025 and 45,693 shares at december 31, 2024 | 1,788 | |||
| Deferred compensation liability - 40,000 shares held in trust at december 31, 2025 and 2024 | 400 | |||
| Retained earnings | 27,372 | |||
| Accumulated other comprehensive (loss) | -1,439 | |||
| Total stockholders' equity | 39,053 | |||
| Total liabilities and stockholders' equity | 206,911 | |||
PFS Bancorp, Inc. (PFSB)
PFS Bancorp, Inc. (PFSB)