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	Jun '26 Jun 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	70.5	66.52	56.75	46.27	36.31	34.29
Interest Income on Investments	5.84	5.96	6.64	6.62	5.02	1.64
Total Interest Income	76.33	72.47	63.39	52.89	41.33	35.94
Interest Paid on Deposits	15.83	15.8	14.86	8.07	1.89	2.43
Interest Paid on Borrowings	0.01	0.04	0.06	0.08	0.13	0.19
Total Interest Expense	15.84	15.84	14.92	8.15	2.01	2.62
Net Interest Income	60.5	56.63	48.48	44.74	39.32	33.32
Net Interest Income Growth	15.37%	16.82%	8.35%	13.80%	17.99%	8.41%
Gain (Loss) on Sale of Investments	-	-	0.07	-0.21	-	-
Other Non-Interest Income	9.5	9	8.14	7.6	5.46	5.74
Total Non-Interest Income	11.53	10.9	10.13	9.36	7.93	8.74
Non-Interest Income Growth	10.81%	7.55%	8.26%	18.08%	-9.31%	16.05%
Revenues Before Loan Losses	72.03	67.53	58.61	54.1	47.24	42.06
Provision for Loan Losses	0.73	1.43	0.92	-0	1.02	0.33
Revenue	71.29	66.1	57.69	54.1	46.22	41.73
Revenue Growth	15.94%	14.58%	6.64%	17.05%	10.77%	10.68%
Salaries and Employee Benefits	23.81	22.41	20.46	18.49	16.45	15.23
Occupancy Expenses	2.56	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	7.52	7.14	5.99	3.6	3.4	2.49
Other Non-Interest Expense	8.51	8.24	8.33	9.16	7.79	8.51
Total Non-Interest Expense	43.33	40.99	37.79	34.81	30.41	27.44
EBT Excluding Unusual Items	27.96	25.11	19.9	19.29	15.81	14.29
Other Unusual Items	-	-	-	-	0.69	-
Pretax Income	27.96	25.11	19.9	19.29	16.5	14.29
Income Tax Expense	5.84	5.27	4.05	3.91	3.26	2.77
Net Income	22.12	19.84	15.85	15.38	13.24	11.52
Net Income to Common	22.12	19.84	15.85	15.38	13.24	11.52
Net Income Growth	20.77%	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	-0.01%	-0.33%	-0.95%	-0.30%	-	1.09%
EPS (Basic)	4.97	4.46	3.55	3.41	2.93	2.55
EPS (Diluted)	4.97	4.46	3.55	3.41	2.93	2.55
EPS Growth	20.81%	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	Jun '26 Jun 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	20.89%	20.98%	20.33%	20.27%	19.75%	19.36%