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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	64.12	56.75	46.27	36.31	34.29	32.98
Interest Income on Investments	6.23	6.64	6.62	5.02	1.64	1.24
Total Interest Income	70.35	63.39	52.89	41.33	35.94	34.22
Interest Paid on Deposits	15.8	14.86	8.07	1.89	2.43	3.22
Interest Paid on Borrowings	0.05	0.06	0.08	0.13	0.19	0.26
Total Interest Expense	15.85	14.92	8.15	2.01	2.62	3.48
Net Interest Income	54.5	48.48	44.74	39.32	33.32	30.74
Net Interest Income Growth (YoY)	17.08%	8.35%	13.80%	17.99%	8.41%	6.66%
Gain (Loss) on Sale of Investments	-	0.07	-0.21	-	-	-
Other Non-Interest Income	8.09	8.14	7.6	5.46	5.74	5.27
Total Non-Interest Income	10.02	10.13	9.36	7.93	8.74	7.53
Non-Interest Income Growth (YoY)	-1.96%	8.26%	18.08%	-9.31%	16.05%	10.14%
Revenues Before Loan Losses	64.52	58.61	54.1	47.24	42.06	38.27
Provision for Loan Losses	1.16	0.92	-0	1.02	0.33	0.56
Revenue	63.36	57.69	54.1	46.22	41.73	37.7
Revenue Growth (YoY)	12.91%	6.64%	17.05%	10.77%	10.68%	8.04%
Salaries and Employee Benefits	20.96	20.46	18.49	16.45	15.23	13.94
Occupancy Expenses	3.37	3.26	2.89	2.25	1.21	1.14
Federal Deposit Insurance	0.9	0.83	0.68	0.52	-	-
Selling, General & Administrative	4.05	3.4	3.6	3.4	2.49	2.27
Other Non-Interest Expense	10.05	9.85	9.16	7.79	8.51	7.78
Total Non-Interest Expense	39.33	37.79	34.81	30.41	27.44	25.11
EBT Excluding Unusual Items	24.03	19.9	19.29	15.81	14.29	12.59
Other Unusual Items	-	-	-	0.69	-	-
Pretax Income	24.03	19.9	19.29	16.5	14.29	12.59
Income Tax Expense	4.95	4.05	3.91	3.26	2.77	2.37
Net Income	19.09	15.85	15.38	13.24	11.52	10.22
Net Income to Common	19.09	15.85	15.38	13.24	11.52	10.22
Net Income Growth	18.96%	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)	-0.48%	-0.95%	-0.30%	-	1.09%	-6.10%
EPS (Basic)	4.28	3.55	3.41	2.93	2.55	2.28
EPS (Diluted)	4.28	3.55	3.41	2.93	2.55	2.28
EPS Growth	19.46%	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	-	7.50%	9.59%	7.35%	3.03%	10.00%
Effective Tax Rate	20.58%	20.33%	20.27%	19.75%	19.36%	18.83%

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