| Balance Sheets | 2026-06-30 | |||
|---|---|---|---|---|
| Cash and due from banks | 780,129 | |||
| Interest-bearing deposits | 21,002,109 | |||
| Cash and cash equivalents | 21,782,238 | |||
| Investment securities available for sale, net of allowance for credit losses of 0 at june 30, 2026 and december 31, 2025 (amortized cost of 8,794,555 and 9,095,188 at june 30, 2026 and december 31, 2025, respectively) | 8,367,925 | |||
| Gross unrealized losses-USGovernment Corporations And Agencies Securities | 3,299 | |||
| Estimated fair value-USGovernment Corporations And Agencies Securities | 65,509 | |||
| Gross unrealized losses-USStates And Political Subdivisions | 37,134 | |||
| Estimated fair value-USStates And Political Subdivisions | 718,179 | |||
| Gross unrealized gains-Mortgage Backed Securities | 8,017 | |||
| Gross unrealized losses-Mortgage Backed Securities | 6,401 | |||
| Estimated fair value-Mortgage Backed Securities | 593,683 | |||
| Investment securities held to maturity, net of allowance for credit losses of 0 at june 30, 2026 and december 31, 2025 (fair value of 1,377,371 and 1,488,818 at june 30, 2026 and december 31, 2025, respectively) | 1,416,188 | |||
| Loans, gross | 93,756,724 | |||
| Loans, allowance for credit losses | 1,118,851 | |||
| Net deferred loan fees | -417,797 | |||
| Loans, net of allowance for credit losses of 1,118,851 and 1,138,600 at june 30, 2026 and december 31, 2025, respectively | 92,220,076 | |||
| Premises and equipment, net | 4,727,584 | |||
| Other investments | 739,890 | |||
| Accrued interest receivable | 411,118 | |||
| Cash value of life insurance | 2,276,540 | |||
| Accrued income taxes receivable | 46,405 | |||
| Deferred tax asset | 926,910 | |||
| Other assets | 334,061 | |||
| Total assets | 133,248,935 | |||
| Interest-bearing deposits | 87,012,652 | |||
| Noninterest-bearing deposits | 7,683,700 | |||
| Total deposits | 94,696,352 | |||
| Advance payments by borrowers for taxes and insurance | 209,537 | |||
| Federal home loan bank advances | 8,000,000 | |||
| Accrued interest payable | 56,742 | |||
| Deferred compensation | 280,754 | |||
| Reserve for unfunded loan commitments | 66,014 | |||
| Other liabilities | 702,629 | |||
| Total liabilities | 104,012,028 | |||
| Common stock, 0.01 par value, 5,000,000 shares authorized, 1,719,250 issued and outstanding at june 30, 2026 | 17,193 | |||
| Additional paid-in capital | 13,535,550 | |||
| Unallocated common stock of esop | 1,365,375 | |||
| Retained earnings | 17,245,044 | |||
| Accumulated other comprehensive loss | -195,505 | |||
| Total shareholders' equity | 29,236,907 | |||
| Total liabilities and shareholders' equity | 133,248,935 | |||
PSB Financial, Inc. (PNSB)
PSB Financial, Inc. (PNSB)