ES Bancshares, Inc. (ESBS)

ES Bancshares Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	29.69	29.7	29.27	26.34	20.04	20.15
Interest Income on Investments	2.49	1.98	2.3	1.86	1.18	0.41
Total Interest Income	32.18	31.68	31.58	28.21	21.21	20.56
Interest Paid on Deposits	10.91	12.31	14.53	9.05	2.35	1.34
Interest Paid on Borrowings	2.85	2.76	2.95	3.27	1.48	1.34
Total Interest Expense	13.76	15.07	17.48	12.32	3.84	2.68
Net Interest Income	18.42	16.61	14.09	15.89	17.38	17.88
Net Interest Income Growth	13.38%	17.82%	-11.29%	-8.57%	-2.81%	24.54%
Gain (Loss) on Sale of Assets	-	-	-	-	1.78	-
Other Non-Interest Income	1.46	2.07	1.14	0.91	0.94	0.92
Total Non-Interest Income	1.46	2.2	1.28	1.08	3.17	1.26
Non-Interest Income Growth	-32.98%	71.61%	18.70%	-65.93%	150.79%	61.02%
Revenues Before Loan Losses	19.87	18.81	15.38	16.97	20.55	19.15
Provision for Loan Losses	-0.13	-0.04	0.01	0.02	-0.08	0.67
Revenue	20	18.84	15.36	16.95	20.63	18.48
Revenue Growth	8.45%	22.65%	-9.35%	-17.84%	11.65%	49.45%
Salaries and Employee Benefits	7.69	6.95	6.67	7.28	7.22	6.54
Occupancy Expenses	1.27	1.33	1.31	1.56	1.53	1.56
Federal Deposit Insurance	0.38	0.41	0.43	0.27	0.23	0.31
Selling, General & Administrative	4.14	4.21	3.73	4.05	3.41	2.65
Other Non-Interest Expense	2.08	2.09	1.83	1.87	1.44	1.51
Total Non-Interest Expense	15.56	14.98	13.97	15.04	13.83	12.56
EBT Excluding Unusual Items	4.44	3.86	1.4	1.91	6.8	5.91
Other Unusual Items	-	-	0.25	-	-	-
Pretax Income	4.44	3.86	1.64	1.91	6.8	5.91
Income Tax Expense	0.79	0.98	0.54	0.44	1.55	1.29
Net Income	3.65	2.88	1.1	1.47	5.25	4.63
Net Income to Common	3.65	2.88	1.1	1.47	5.25	4.63
Net Income Growth	36.10%	160.51%	-25.05%	-71.94%	13.47%	283.90%
Basic Shares Outstanding	7	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7	7
Shares Change	-0.58%	1.24%	1.67%	0.40%	0.41%	-5.11%
EPS (Basic)	0.53	0.42	0.16	0.22	0.79	0.70
EPS (Diluted)	0.53	0.41	0.16	0.22	0.78	0.69
EPS Growth	36.39%	156.25%	-27.07%	-71.87%	13.04%	305.88%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Effective Tax Rate	17.76%	25.49%	32.81%	23.00%	22.76%	21.74%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 23, 2026

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