Financial insights of SFST

MyFinsight

For the quarter ending 2025-09-30, SFST made $104,989K in revenue. $8,662K in net income. Net profit margin of 8.25%.

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
Loans	50,999	48,992	47,085	47,550
Investment securities	1,342	1,357	1,403	1,412
Federal funds sold and interest-bearing deposits with banks	2,645	1,969	1,159	2,209
Total interest income	54,986	52,318	49,647	51,171
Deposits	24,703	24,300	23,569	27,725
Borrowings	2,754	2,723	2,695	2,855
Total interest expense	27,457	27,023	26,264	30,580
Net interest income	27,529	25,295	23,383	20,591
Provision for credit losses	850	700	750	-
Net interest income after provision for credit losses	26,679	24,595	22,633	20,591
Mortgage banking income	1,600	1,569	1,424	1,449
Service fees on deposit accounts	625	567	539	455
Atm and debit card income	601	586	552	599
Income from bank owned life insurance	439	413	403	401
Other income	335	199	196	271
Total noninterest income	3,600	3,334	3,114	3,175
Compensation and benefits	11,299	11,674	11,304	10,789
Occupancy	2,447	2,523	2,548	2,595
Outside service and data processing	2,158	2,189	2,037	1,930
Insurance	961	910	1,010	1,025
Professional fees	605	609	509	548
Marketing	412	397	374	319
Other	1,064	1,034	1,054	833
Total noninterest expenses	18,946	19,336	18,836	18,039
Income before income tax expense	11,333	8,593	6,911	5,727
Income tax expense	2,671	2,012	1,645	1,345
Net income	8,662	6,581	5,266	4,382

Basic	1.08	0.81	0.65	0.54
Basic	8,030,944	8,118,895	8,078,355	8,064,283
Diluted	1.07	0.81	0.65	0.54
Diluted	8,080,459	8,133,789	8,110,514	8,089,176