Financial insights of SFBC

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans, including fees	13,307	12,141*	13,512	13,695
Interest and dividends on investments, cash and cash equivalents	1,158	1,067*	1,140	1,220
Total interest income	14,465	13,208*	14,652	14,915
Deposits	5,124	5,158*	5,275	5,225
Borrowings	108	217*	269	267
Subordinated notes	186	197*	168	168
Total interest expense	5,418	5,572*	5,712	5,660
Net interest income	9,047	7,636*	8,940	9,255
Provision for (release of) credit gaines	123	-210*	55	170
Net interest income after provision for (release of) credit losses	8,924	7,846*	8,885	9,085
Service charges and fee income	624	666*	672	664
Earnings on boli	130	156*	225	229
Mortgage servicing income	248	259*	262	263
Fair value adjustment on msrs	140	33*	372	80
Net gain on sale of loans	101	53*	94	44
Other income (loss)	-53	-137*	0	0
Total noninterest income	910	963*	881	1,120
Salaries and benefits	4,458	3,839*	4,259	4,321
Operations	1,501	1,584*	1,483	1,443
Regulatory assessments	198	-54*	221	222
Occupancy	427	473*	431	416
Data processing	1,287	1,229*	1,274	1,254
Net loss and expenses on oreo and repossessed assets	3	12*	8	9
Total noninterest expense	7,874	7,081*	7,676	7,665
Income before provision for income taxes	1,960	1,728*	2,090	2,540
Provision for income taxes	384	190*	395	488
Net income	1,576	1,538	1,695	2,052

Basic EPS	0.61	0.602	0.66	0.8
Diluted EPS	0.61	0.597	0.66	0.79
Basic Average Shares	2,562,467	2,555,638	2,556,562	2,556,562
Diluted Average Shares	2,574,212	2,576,478	2,575,575	2,577,990

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.