Benchmark Bankshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	71.82	66.52	56.75	46.27	36.31	34.29
Interest Income on Investments	5.99	5.96	6.64	6.62	5.02	1.64
Total Interest Income	77.81	72.47	63.39	52.89	41.33	35.94
Interest Paid on Deposits	15.57	15.8	14.86	8.07	1.89	2.43
Interest Paid on Borrowings	-	0.04	0.06	0.08	0.13	0.19
Total Interest Expense	15.57	15.84	14.92	8.15	2.01	2.62
Net Interest Income	62.24	56.63	48.48	44.74	39.32	33.32
Net Interest Income Growth	14.20%	16.82%	8.35%	13.80%	17.99%	8.41%
Gain (Loss) on Sale of Investments	-	-	0.07	-0.21	-	-
Other Non-Interest Income	9.21	9	8.14	7.6	5.46	5.74
Total Non-Interest Income	11.26	10.9	10.13	9.36	7.93	8.74
Non-Interest Income Growth	12.40%	7.55%	8.26%	18.08%	-9.31%	16.05%
Revenues Before Loan Losses	73.5	67.53	58.61	54.1	47.24	42.06
Provision for Loan Losses	0.62	1.43	0.92	-0	1.02	0.33
Revenue	72.88	66.1	57.69	54.1	46.22	41.73
Revenue Growth	15.03%	14.58%	6.64%	17.05%	10.77%	10.68%
Salaries and Employee Benefits	24.29	22.41	20.46	18.49	16.45	15.23
Occupancy Expenses	2.65	2.31	2.18	2.89	2.25	1.21
Federal Deposit Insurance	0.93	0.9	0.83	0.68	0.52	-
Selling, General & Administrative	7.78	7.14	5.99	3.6	3.4	2.49
Other Non-Interest Expense	8.72	8.24	8.33	9.16	7.79	8.51
Total Non-Interest Expense	44.36	40.99	37.79	34.81	30.41	27.44
EBT Excluding Unusual Items	28.51	25.11	19.9	19.29	15.81	14.29
Other Unusual Items	-	-	-	-	0.69	-
Pretax Income	28.51	25.11	19.9	19.29	16.5	14.29
Income Tax Expense	5.93	5.27	4.05	3.91	3.26	2.77
Net Income	22.58	19.84	15.85	15.38	13.24	11.52
Net Income to Common	22.58	19.84	15.85	15.38	13.24	11.52
Net Income Growth	18.30%	25.17%	3.08%	16.16%	14.89%	12.77%
Basic Shares Outstanding	4	4	4	5	5	5
Diluted Shares Outstanding	4	4	4	5	5	5
Shares Change	-0.12%	-0.33%	-0.95%	-0.30%	-	1.09%
EPS (Basic)	5.07	4.46	3.55	3.41	2.93	2.55
EPS (Diluted)	5.07	4.46	3.55	3.41	2.93	2.55
EPS Growth	18.52%	25.59%	4.06%	16.36%	15.04%	11.70%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.480	0.920	0.860	0.800	0.730	0.680
Dividend Growth	-45.45%	6.98%	7.50%	9.59%	7.35%	3.03%
Effective Tax Rate	20.81%	20.98%	20.33%	20.27%	19.75%	19.36%