| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 17,303 | 3,626 |
| Depreciation | 417 | 235 |
| Net accretion of acquisition accounting adjustments | 242 | - |
| Net accretion of discounts and premiums on securities | 542 | 209 |
| Bargain purchase gain | 17,827 | - |
| Deferred income tax benefit | -335 | -60 |
| Provision for credit losses | 4,390 | 162 |
| Decrease (increase) in accrued interest receivable | -81 | 99 |
| (decrease) increase in accrued interest payable | -239 | 215 |
| Increase in cash surrender value of bank owned life insurance | 256 | 126 |
| Net marketable equity security (gains) losses | 57 | -3 |
| Origination of loans held for sale | 2,922 | 1,692 |
| Loss on sale of foreclosed real estate | - | 0 |
| Proceeds from loans sold | 3,087 | 1,733 |
| Gain on sale of loans | 104 | 41 |
| (gain) loss on disposition of premises and equipment | 52 | 52 |
| Realized loss on sale of securities | -8 | - |
| (gain) loss on sale of foreclosed real estate | 36 | - |
| Change in other assets and liabilities, net | -3,249 | 169 |
| Net cash provided by operating activities | 5,923 | 3,526 |
| Purchases | 3,946 | 0 |
| Proceeds from paydowns, maturities and calls | 17,825 | 10,261 |
| Proceeds from sales | 48,641 | - |
| Net increase in loans | 36,390 | 31,357 |
| Decrease of interest-bearing time deposits | 2,715 | 1,723 |
| Increase (decrease) in restricted investments in bank stock | -2,468 | 233 |
| Proceeds from sale of premises and equipment | 122 | 121 |
| Proceeds from sale of foreclosed real estate | 113 | 0 |
| Purchases of premises and equipment | 87 | 42 |
| Cash acquired in the acquisition of nubc, net of cash paid | -43,399 | - |
| Net cash provided by (used in) investing activities | 74,860 | -19,527 |
| Increase in deposits | 20,210 | 25,079 |
| Proceeds from federal home loan bank advances | 0 | 38,585 |
| Repayment of federal home loan bank advances | 55,050 | 34,550 |
| Decrease in federal funds purchased | 0 | 0 |
| Increase (decrease) in repurchase agreements | 271 | 99 |
| Dividends paid on common stock | 1,375 | 1,375 |
| Net cash (used in) provided by financing activities | -35,944 | 27,838 |
| Net increase in cash and cash equivalents | 44,839 | 11,837 |
| Cash and cash equivalents at beginning of period | 9,179 | - |
| Cash and cash equivalents at end of period | 54,018 | - |
STEELE BANCORP INC (STLE)
STEELE BANCORP INC (STLE)