Benchmark Bankshares, Inc. (BMBN)

Benchmark Bankshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	61.7	56.75	46.27	36.31	34.29	32.98
Interest Income on Investments	6.4	6.64	6.62	5.02	1.64	1.24
Total Interest Income	68.1	63.39	52.89	41.33	35.94	34.22
Interest Paid on Deposits	15.61	14.86	8.07	1.89	2.43	3.22
Interest Paid on Borrowings	0.06	0.06	0.08	0.13	0.19	0.26
Total Interest Expense	15.66	14.92	8.15	2.01	2.62	3.48
Net Interest Income	52.44	48.48	44.74	39.32	33.32	30.74
Net Interest Income Growth (YoY)	15.86%	8.35%	13.80%	17.99%	8.41%	6.66%
Gain (Loss) on Sale of Investments	0.07	0.07	-0.21	-	-	-
Other Non-Interest Income	8.42	8.14	7.6	5.46	5.74	5.27
Total Non-Interest Income	10.41	10.13	9.36	7.93	8.74	7.53
Non-Interest Income Growth (YoY)	13.46%	8.26%	18.08%	-9.31%	16.05%	10.14%
Revenues Before Loan Losses	62.84	58.61	54.1	47.24	42.06	38.27
Provision for Loan Losses	1.35	0.92	-0	1.02	0.33	0.56
Revenue	61.49	57.69	54.1	46.22	41.73	37.7
Revenue Growth (YoY)	13.39%	6.64%	17.05%	10.77%	10.68%	8.04%
Salaries and Employee Benefits	20.55	20.46	18.49	16.45	15.23	13.94
Occupancy Expenses	3.3	3.26	2.89	2.25	1.21	1.14
Federal Deposit Insurance	0.88	0.83	0.68	0.52	-	-
Selling, General & Administrative	3.83	3.4	3.6	3.4	2.49	2.27
Other Non-Interest Expense	9.88	9.85	9.16	7.79	8.51	7.78
Total Non-Interest Expense	38.43	37.79	34.81	30.41	27.44	25.11
EBT Excluding Unusual Items	23.06	19.9	19.29	15.81	14.29	12.59
Other Unusual Items	-	-	-	0.69	-	-
Pretax Income	23.06	19.9	19.29	16.5	14.29	12.59
Income Tax Expense	4.74	4.05	3.91	3.26	2.77	2.37
Net Income	18.32	15.85	15.38	13.24	11.52	10.22
Net Income to Common	18.32	15.85	15.38	13.24	11.52	10.22
Net Income Growth	32.08%	3.08%	16.16%	14.89%	12.77%	7.91%
Basic Shares Outstanding	4	4	5	5	5	4
Diluted Shares Outstanding	4	4	5	5	5	4
Shares Change (YoY)	-0.83%	-0.95%	-0.30%	-	1.09%	-6.10%
EPS (Basic)	4.11	3.55	3.41	2.93	2.55	2.28
EPS (Diluted)	4.11	3.55	3.41	2.93	2.55	2.28
EPS Growth	33.16%	4.06%	16.36%	15.04%	11.70%	15.15%
Dividend Per Share	0.880	0.860	0.800	0.730	0.680	0.660
Dividend Growth	7.32%	7.50%	9.59%	7.35%	3.03%	10.00%
Effective Tax Rate	20.56%	20.33%	20.27%	19.75%	19.36%	18.83%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.