For the quarter ending 2026-03-31, PFSB has $210,707K in assets. $171,733K in debts.
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and cash equivalents - cash and due from bank | 22,133 | 15,494 | 9,143 | 14,489 |
| Available-for-sale debt securities (net of credit losses of 0 at march 31, 2026 and december 31, 2025, respectively, amortized cost of 67,231 and 68,943 at march 31, 2026 and december 31, 2025, respectively) | 64,856 | 66,930 | 68,681 | 71,123 |
| Gross unrealized gains | 66 | 87 | - | - |
| Gross unrealized losses | 115 | 108 | - | - |
| Held-to-maturity fair value | 5,170 | 6,184 | - | - |
| Held-to-maturity debt securities (net of allowance for credit losses of 0 as of march 31, 2026 and december 31, 2025) | 5,219 | 6,205 | 6,394 | 6,892 |
| Equity securities | 294 | 408 | 436 | 351 |
| Total loans | 109,811 | 109,595 | 109,695 | - |
| Deferred loan costs | 133 | 116 | 105 | - |
| Allowance for credit losses | 840 | 842 | 847 | - |
| Loans, net of allowance for credit losses of 840 and 842 at march 31, 2026 and december 31, 2025 | 109,104 | 108,869 | 108,953 | 105,532 |
| Premises and equipment, net of accumulated depreciation of 2,972 and 2,941 at march 31, 2026 and december 31, 2025 | 1,961 | 1,992 | 2,020 | 2,049 |
| Federal home loan bank stock | 354 | 354 | 354 | 354 |
| Interest receivable | 709 | 757 | 755 | 778 |
| Cash surrender value of bank-owned life insurance | 4,114 | 4,086 | 4,059 | 4,031 |
| Deferred income taxes | 1,208 | 1,057 | 1,256 | 1,406 |
| Mortgage servicing rights | 208 | 208 | 254 | 254 |
| Other | 547 | 551 | 615 | 647 |
| Total assets | 210,707 | 206,911 | 202,920 | 207,906 |
| Demand | 18,672 | 18,783 | 11,739 | 12,395 |
| Savings, now and money market | 75,834 | 72,671 | 77,415 | 83,300 |
| Time | 75,637 | 75,024 | 73,906 | 73,042 |
| Total deposits | 170,143 | 166,478 | 163,060 | 168,737 |
| Deferred compensation | 714 | 691 | 669 | 646 |
| Income tax payable | 465 | 341 | 322 | 176 |
| Interest payable and other liabilities | 411 | 348 | 580 | 581 |
| Total liabilities | 171,733 | 167,858 | 164,631 | 170,140 |
| Common stock, 0.01 par value, 14,000,000 shares authorized, 1,725,000 issued, 1,549,393 and 1,562,319 outstanding at march 31, 2026 and december 31, 2025 | 17 | 17 | 17 | 17 |
| Additional paid in capital | 15,754 | 15,705 | 15,660 | 15,605 |
| Unallocated common stock of esop | 1,200 | 1,214 | 1,229 | 1,244 |
| Treasury stock - 175,607 shares at march 31, 2026 and 162,681 shares at december 31, 2025 | 1,989 | 1,788 | 1,695 | 1,111 |
| Deferred compensation liability - 40,000 shares held in trust at march 31, 2026 and december 31, 2025 | 400 | 400 | 400 | 400 |
| Retained earnings | 27,690 | 27,372 | 26,840 | 26,424 |
| Accumulated other comprehensive (loss) | -1,698 | -1,439 | -1,704 | -2,325 |
| Total stockholders' equity | 38,974 | 39,053 | 38,289 | 37,766 |
| Total liabilities and stockholders' equity | 210,707 | 206,911 | 202,920 | 207,906 |
PFS Bancorp, Inc. (PFSB)
PFS Bancorp, Inc. (PFSB)