Financial insights of SFST

MyFinsight

For the year ending 2025-12-31, SFST made $6,282K in revenue. $30,366K in net income. Net profit margin of 483.38%.

Income Statement	2025-12-31	2024-12-31
Mortgage banking income	6,282	5,560
Service fees on deposit accounts	2,365	1,764
Gain (loss) on disposal of fixed assets	-	28
Atm and debit card income	2,377	2,337
Income from bank owned life insurance	1,705	1,569
Loss on sale of investment securities	-515	-
Other income	924	883
Total noninterest income	13,138	12,141
Loans	198,145	186,863
Investment securities	5,370	5,812
Federal funds sold and interest-bearing deposits with banks	7,966	8,537
Total interest income	211,481	201,212
Deposits	95,624	108,774
Borrowings	10,906	11,216
Total interest expense	106,530	119,990
Net interest income	104,951	81,222
Provision for credit losses	2,950	125
Net interest income after provision for credit losses	102,001	81,097
Compensation and benefits	44,806	43,546
Occupancy	9,983	10,291
Outside service and data processing costs	8,528	7,741
Insurance	3,875	4,022
Professional fees	2,455	2,404
Marketing	1,529	1,412
Other	4,358	3,910
Total noninterest expenses	75,534	73,326
Income before income tax expense	39,605	19,912
Income tax expense	9,239	4,382
Net income available to common shareholders	30,366	15,530

Basic EPS	3.75	1.92
Diluted EPS	3.72	1.91
Basic Average Shares	8,091,322	8,080,623
Diluted Average Shares	8,160,464	8,117,057