Golden State Bancorp (GSBX)

Golden State Bancorp 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	62.95	57.2	47.83	36.8	28.35	22.12
Interest Income on Investments	5.45	5.45	7.4	6.7	2.34	0.28
Total Interest Income	68.4	62.65	55.23	43.5	30.69	22.39
Interest Paid on Deposits	26.82	25.79	24.45	15.28	4.8	3.84
Interest Paid on Borrowings	1.89	1.89	1.51	1.42	0.94	1.07
Total Interest Expense	28.72	27.68	25.96	16.7	5.74	4.92
Net Interest Income	39.68	34.97	29.27	26.8	24.95	17.48
Net Interest Income Growth	18.84%	19.48%	9.22%	7.42%	42.75%	50.61%
Other Non-Interest Income	0.9	0.01	0.01	0.01	0.25	0.24
Total Non-Interest Income	1.21	0.32	0.33	0.22	0.26	0.24
Non-Interest Income Growth	297.61%	-4.97%	53.50%	-17.14%	9.21%	218.67%
Revenues Before Loan Losses	40.89	35.29	29.61	27.02	25.21	17.72
Provision for Loan Losses	0.76	1.22	2.84	1.01	2.04	1.6
Revenue	40.13	34.07	26.77	26	23.17	16.12
Revenue Growth	28.85%	27.27%	2.94%	12.21%	43.72%	49.76%
Salaries and Employee Benefits	11.92	11.92	9.8	8.59	7.13	6.26
Occupancy Expenses	0.38	0.38	0.58	0.53	0.36	0.3
Selling, General & Administrative	5.06	5.06	3.71	0.77	0.74	0.51
Other Non-Interest Expense	6.68	3.44	2.69	5.31	4.07	3.97
Total Non-Interest Expense	24.04	20.81	16.77	15.21	12.3	11.05
EBT Excluding Unusual Items	16.09	13.26	10	10.8	10.87	5.07
Pretax Income	16.09	13.26	10.31	10.8	10.87	5.07
Income Tax Expense	4.73	3.93	2.19	3.17	3.19	1.52
Net Income	11.36	9.33	8.12	7.62	7.69	3.55
Net Income to Common	11.36	9.33	8.12	7.62	7.69	3.55
Net Income Growth	24.73%	14.90%	6.52%	-0.82%	116.32%	-
Basic Shares Outstanding	3	3	3	3	2	2
Diluted Shares Outstanding	3	3	3	3	2	2
Shares Change	1.82%	2.90%	1.92%	8.46%	24.50%	7.94%
EPS (Basic)	3.99	3.37	3.02	2.96	3.22	1.90
EPS (Diluted)	3.99	3.32	2.98	2.85	3.11	1.79
EPS Growth	22.42%	11.41%	4.56%	-8.36%	73.74%	-

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	29.37%	29.66%	21.22%	29.40%	29.33%	29.99%

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:

Nov 13, 2026

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