Financial insights of SFST

MyFinsight

For the quarter ending 2026-03-31, SFST made $1,493K in revenue. $9,887K in net income. Net profit margin of 662.22%.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Mortgage banking income	1,493	1,689	1,600	1,569
Service fees on deposit accounts	756	634	625	567
Atm and debit card income	588	638	601	586
Income from bank owned life insurance	446	450	439	413
Loss on sale of investment securities	-	-515	-	-
Other income	257	194	335	199
Total noninterest income	3,540	3,090	3,600	3,334
Loans	51,257	51,069	50,999	48,992
Investment securities	1,399	1,268	1,342	1,357
Federal funds sold and interest-bearing deposits with banks	1,955	2,193	2,645	1,969
Total interest income	54,611	54,530	54,986	52,318
Deposits	21,697	23,052	24,703	24,300
Borrowings	2,655	2,734	2,754	2,723
Total interest expense	24,352	25,786	27,457	27,023
Net interest income	30,259	28,744	27,529	25,295
Provision for credit losses	1,300	650	850	700
Net interest income after provision for credit losses	28,959	28,094	26,679	24,595
Compensation and benefits	11,980	10,529	11,299	11,674
Occupancy	2,490	2,465	2,447	2,523
Outside service and data processing	2,267	2,144	2,158	2,189
Insurance	892	994	961	910
Professional fees	675	732	605	609
Marketing	399	346	412	397
Other	1,312	1,206	1,064	1,034
Total noninterest expenses	20,015	18,416	18,946	19,336
Income before income tax expense	12,484	12,768	11,333	8,593
Income tax expense	2,597	2,911	2,671	2,012
Net income	9,887	9,857	8,662	6,581

Basic EPS	1.21	1.211	1.08	0.81
Diluted EPS	1.19	1.185	1.07	0.81
Basic Average Shares	8,163,412	8,137,094	8,030,944	8,118,895
Diluted Average Shares	8,292,852	8,317,094	8,080,459	8,133,789

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