Financial insights of SFBC

MyFinsight

For the quarter ending 2025-09-30, SFBC made $29,293K in revenue. $1,695K in net income. Net profit margin of 5.79%.

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

Income Statement	2025-09-30	2025-06-30
Loans, including fees	13,512	13,695
Interest and dividends on investments, cash and cash equivalents	1,140	1,220
Total interest income	14,652	14,915
Deposits	5,275	5,225
Borrowings	269	267
Subordinated notes	168	168
Total interest expense	5,712	5,660
Net interest income	8,940	9,255
Provision for (release of) credit losses	55	170
Net interest income after provision for (release of) credit losses	8,885	9,085
Service charges and fee income	672	664
Earnings on boli	225	229
Mortgage servicing income	262	263
Fair value adjustment on msrs	372	80
Net gain on sale of loans	94	44
Other income	0	0
Total noninterest income	881	1,120
Salaries and benefits	4,259	4,321
Operations	1,483	1,443
Regulatory assessments	221	222
Occupancy	431	416
Data processing	1,274	1,254
Net loss (gain) on oreo and repossessed assets	8	9
Total noninterest expense	7,676	7,665
Income before provision for income taxes	2,090	2,540
Provision for income taxes	395	488
Net income	1,695	2,052

Basic (in dollars per share)	0.66	0.8
Basic (in shares)	2,556,562	2,556,562
Diluted (in dollars per share)	0.66	0.79
Diluted (in shares)	2,575,575	2,577,990