Financial insights of RBKB

MyFinsight

For the quarter ending 2025-09-30, RBKB made $36,078K in revenue. $2,695K in net income. Net profit margin of 7.47%.

Income Overview

Revenue
$36,078K
Net Income
$2,695K
Net Profit Margin
7.47%
EPS
$0.25
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest expense on deposits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	15,712	15,066	15,008	14,679
Interest and dividends on securities	1,124	1,275	1,351	995
Other income	923	414	279	366
Total interest and dividend income	17,759	16,755	16,638	16,040
Interest expense on deposits	5,443	4,866	4,762	5,567
Interest expense on borrowings	281	397	839	774
Total interest expense	5,724	5,263	5,601	6,341
Net interest income	12,035	11,492	11,037	9,699
Provision for credit losses - loans	928	-	-	-
(reversal of) provision for credit losses - unfunded commitments	-24	-	-	-
Provision for credit losses	904	-101	353	889
Net interest income after provision for credit losses	11,131	11,593	10,684	8,810
Service charges on deposit accounts	739	728	773	773
Net gain on sales of loans	89	69	38	50
Increase in cash surrender value of life insurance	198	194	188	192
Insurance gain (loss)	-	-	-	412
Net loss on disposal of premises and equipment	-1	-	-	-
Investment advisory income	467	269	336	375
Debt securities, realized gain (loss)	-	-	-	-11,996
Other	447	342	416	166
Total non-interest income (loss)	1,939	1,602	1,751	-10,028
Salaries and employee benefits	5,470	5,242	5,134	5,043
Occupancy	1,081	1,115	1,071	1,034
Data processing	524	534	525	505
Professional fees	501	492	477	510
Marketing	151	223	200	129
Fdic deposit insurance and other insurance	274	295	297	289
Amortization of intangible assets	16	17	20	19
Other	1,710	1,789	1,784	1,552
Total non-interest expense	9,727	9,707	9,508	9,081
Net income (loss) before income taxes	3,343	3,488	2,927	-10,299
Net provision (benefit) for income taxes	648	762	639	-2,237
Net income (loss)	2,695	2,726	2,288	-8,062

Earnings per share, basic	0.25	0.25	0.21	-0.75
Earnings per share, diluted	0.25	0.25	0.21	-0.75
Weighted average number of shares outstanding, basic	10,811,808	10,787,446	10,777,044	10,758,914
Weighted average number of shares outstanding, diluted	10,982,343	10,954,124	10,923,364	10,758,914

MyFinsight

Income Overview

Revenue
$36,078K
Net Income
$2,695K
Net Profit Margin
7.47%
EPS
$0.25
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest expense on deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$36,078K
Net Income
$2,695K
Net Profit Margin
7.47%
EPS
$0.25
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest expense on deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$36,078KNet Income$2,695KNet Profit Margin7.47%EPS$0.25Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest expense on depositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$36,078KNet Income$2,695KNet Profit Margin7.47%EPS$0.25Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest expense on depositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$36,078K
Net Income
$2,695K
Net Profit Margin
7.47%
EPS
$0.25
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest expense on deposits
Others

Revenue
$36,078K
Net Income
$2,695K
Net Profit Margin
7.47%
EPS
$0.25
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest expense on deposits
Others