For the quarter ending 2025-09-30, PFSB has $202,920K in assets. $164,631K in debts.
| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash and cash equivalents - cash and due from bank | 9,143 | 14,489 | ||
| Available-for-sale debt securities (net of credit losses of 0 at september 30, 2025 and december 31, 2024, respectively, amortized cost of 71,065 and 71,289 at september 30, 2025 and december 31, 2024, respectively) | 68,681 | 71,123 | ||
| Held-to-maturity debt securities (net of allowance for credit losses of 0 as of september 30, 2025 and december 31, 2024) | 6,394 | 6,892 | ||
| Equity securities | 436 | 351 | ||
| Total loans | 109,695 | - | ||
| Deferred loan costs | 105 | - | ||
| Allowance for credit losses | 847 | - | ||
| Loans, net of allowance for credit losses of 847 and 700 at september 30, 2025 and december 31, 2024 | 108,953 | 105,532 | ||
| Premises and equipment, net of accumulated depreciation of 2,909 and 2,811 at september 30, 2025 and december 31, 2024 | 2,020 | 2,049 | ||
| Federal home loan bank stock | 354 | 354 | ||
| Interest receivable | 755 | 778 | ||
| Cash surrender value of bank-owned life insurance | 4,059 | 4,031 | ||
| Deferred income taxes | 1,256 | 1,406 | ||
| Mortgage servicing rights | 254 | 254 | ||
| Other | 615 | 647 | ||
| Total assets | 202,920 | 207,906 | ||
| Demand | 11,739 | 12,395 | ||
| Savings, now and money market | 77,415 | 83,300 | ||
| Time | 73,906 | 73,042 | ||
| Total deposits | 163,060 | 168,737 | ||
| Deferred compensation | 669 | 646 | ||
| Income tax payable | 322 | 176 | ||
| Interest payable and other liabilities | 580 | 581 | ||
| Total liabilities | 164,631 | 170,140 | ||
| Common stock, 0.01 par value, 14,000,000 shares authorized, 1,725,000 issued, 1,569,332 and 1,679,307 outstanding at september 30, 2025 and december 31, 2024 | 17 | 17 | ||
| Additional paid in capital | 15,660 | 15,605 | ||
| Unallocated common stock of esop | 1,229 | 1,244 | ||
| Treasury stock - 155,668 shares at september 30, 2025 and 45,693 shares at december 31, 2024 | 1,695 | 1,111 | ||
| Deferred compensation liability | 400 | 400 | ||
| Retained earnings | 26,840 | 26,424 | ||
| Accumulated other comprehensive (loss) | -1,704 | -2,325 | ||
| Total stockholders' equity | 38,289 | 37,766 | ||
| Total liabilities and stockholders' equity | 202,920 | 207,906 | ||
PFS Bancorp, Inc. (PFSB)
PFS Bancorp, Inc. (PFSB)