First Ottawa Bancshares, Inc. (FOTB)

First Ottawa 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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	113.58	105.02	90.27	73.73	48.3	38.48
Interest Income on Investments	11.41	11.26	10.41	8.64	3.55	1.36
Total Interest Income	124.99	116.28	100.69	82.36	51.85	39.83
Interest Paid on Deposits	44.66	42.78	38.89	24.42	4.55	1.39
Interest Paid on Borrowings	4.57	5.25	5.83	6.27	3.18	1.9
Total Interest Expense	49.23	48.03	44.72	30.69	7.72	3.29
Net Interest Income	75.75	68.26	55.97	51.67	44.13	36.54
Net Interest Income Growth	23.16%	21.95%	8.32%	17.09%	20.76%	43.40%
Trust Income	1.35	1.27	1.1	0.96	1	0.98
Gain (Loss) on Sale of Investments	0.01	0.01	-	-0.14	-	-
Other Non-Interest Income	8.09	7.37	5.2	3.88	5.82	7.77
Total Non-Interest Income	9.45	8.65	6.3	4.7	6.82	8.75
Non-Interest Income Growth	39.88%	37.41%	33.95%	-31.11%	-21.98%	5.49%
Revenues Before Loan Losses	85.2	76.91	62.27	56.37	50.95	45.29
Provision for Loan Losses	4.9	4.38	3.7	7.08	3.98	3
Revenue	80.3	72.53	58.57	49.29	46.98	42.29
Revenue Growth	22.00%	23.84%	18.81%	4.93%	11.09%	48.77%
Salaries and Employee Benefits	26.39	24.29	20.06	19.23	21.17	18.78
Occupancy Expenses	2.75	2.68	2.64	2.5	2.18	1.89
Federal Deposit Insurance	2.08	1.99	2.05	1.65	1.15	0.82
Selling, General & Administrative	6.1	6	4.61	3.84	4.03	3.09
Other Non-Interest Expense	4.17	3.32	3.11	2.78	2.01	1.76
Total Non-Interest Expense	44.32	38.37	32.51	30.11	30.43	26.48
EBT Excluding Unusual Items	35.99	34.16	26.06	19.19	16.55	15.81
Pretax Income	35.99	34.16	26.06	19.19	16.55	15.81
Income Tax Expense	9.58	9.2	7.05	5.17	4.31	4.29
Net Income	26.4	24.96	19.01	14.01	12.24	11.52
Net Income to Common	26.4	24.96	19.01	14.01	12.24	11.52
Net Income Growth	16.38%	31.32%	35.62%	14.46%	6.31%	294.25%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change	4.58%	2.20%	1.49%	2.67%	3.70%	2.58%
EPS (Basic)	27.33	26.72	20.79	15.56	13.96	13.61
EPS (Diluted)	27.33	26.72	20.79	15.56	13.96	13.61
EPS Growth	11.28%	28.49%	33.64%	11.48%	2.52%	284.32%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.750	1.500	1.500	1.500	1.500	1.500
Dividend Growth	-	0%	0%	0%	0%	0%
Effective Tax Rate	26.63%	26.94%	27.06%	26.95%	26.04%	27.15%

Data Source: S&P Global Market Intelligence Last updated: Jun 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:

Aug 14, 2026

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