| Cash Flow | 2026-06-30 |
|---|---|
| Net (loss) income | -1,410,551 |
| Net amortization of investment securities | 18,778 |
| Provision for (recovery of) credit losses | -4,357 |
| Depreciation | 159,463 |
| Net change in cash value of life insurance | 44,195 |
| Esop expense | 11,201 |
| (benefit from) provision for deferred income tax | -533,822 |
| Accrued interest receivable | 51,550 |
| Other assets | -1,888,292 |
| Accrued interest payable | 109 |
| Other liabilities | 355,183 |
| Net cash (used in) from operating activities | 350,995 |
| Proceeds from calls, paydowns, and maturities of investment securities held to maturity | 99,348 |
| Proceeds from calls, paydowns, and maturities of investment securities available for sale | 319,681 |
| Net change in other investments | 11,331 |
| Net (increase) decrease in loans | 2,435,392 |
| Purchases of premises and equipment | 22,211 |
| Net cash (used in) from investing activities | -2,049,905 |
| Net increase (decrease) in deposits | 2,021,045 |
| Net increase in advance payments by borrowers for taxes and insurance | 89,076 |
| Gross proceeds from issuance of common stock | 17,192,500 |
| Stock offering costs, net | 3,640,933 |
| Purchase of esop shares | 1,375,400 |
| Net cash (used in) from financing activities | 14,286,288 |
| Net change in cash and cash equivalents | 12,587,378 |
| Cash and cash equivalents at beginning of period | 9,194,860 |
| Cash and cash equivalents at end of period | 21,782,238 |
PSB Financial, Inc. (PNSB)
PSB Financial, Inc. (PNSB)