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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	61.04	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	66.49	62.65	55.23	43.5	30.69	22.39
Interest Paid on Deposits	26.57	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	28.46	27.68	25.96	16.7	5.74	4.92
Net Interest Income	38.03	34.97	29.27	26.8	24.95	17.48
Net Interest Income Growth	18.83%	19.48%	9.22%	7.42%	42.75%	50.61%
Other Non-Interest Income	0.24	0.01	0.01	0.01	0.25	0.24
Total Non-Interest Income	0.54	0.32	0.33	0.22	0.26	0.24
Non-Interest Income Growth	78.65%	-4.97%	53.50%	-17.14%	9.21%	218.67%
Revenues Before Loan Losses	38.57	35.29	29.61	27.02	25.21	17.72
Provision for Loan Losses	0.4	1.22	2.84	1.01	2.04	1.6
Revenue	38.17	34.07	26.77	26	23.17	16.12
Revenue Growth	29.71%	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	5.99	3.44	2.69	5.31	4.07	3.97
Total Non-Interest Expense	23.36	20.81	16.77	15.21	12.3	11.05
EBT Excluding Unusual Items	14.81	13.26	10	10.8	10.87	5.07
Pretax Income	14.81	13.26	10.31	10.8	10.87	5.07
Income Tax Expense	4.29	3.93	2.19	3.17	3.19	1.52
Net Income	10.52	9.33	8.12	7.62	7.69	3.55
Net Income to Common	10.52	9.33	8.12	7.62	7.69	3.55
Net Income Growth	21.09%	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	2.94%	2.90%	1.92%	8.46%	24.50%	7.94%
EPS (Basic)	3.70	3.37	3.02	2.96	3.22	1.90
EPS (Diluted)	3.69	3.32	2.98	2.85	3.11	1.79
EPS Growth	17.55%	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Effective Tax Rate	28.97%	29.66%	21.22%	29.40%	29.33%	29.99%

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:

Sep 7, 2026

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