JBT Bancorp 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	Sep '26 Sep 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	49.62	46.49	42.76	41.04	31.56	28.69
Interest Income on Investments	5.96	6.03	6.21	3.13	1.47	0.82
Total Interest Income	55.58	52.52	48.98	44.17	33.04	29.52
Interest Paid on Deposits	12.9	13.22	12.8	8.62	2.54	2.25
Interest Paid on Borrowings	2.4	3.1	3.9	4.35	0.93	0.52
Total Interest Expense	15.3	16.32	16.7	12.98	3.47	2.78
Net Interest Income	40.28	36.21	32.27	31.2	29.57	26.74
Net Interest Income Growth	15.90%	12.19%	3.44%	5.53%	10.56%	20.12%
Mortgage Banking Activities	-	-	-	-	0.23	0.9
Gain (Loss) on Sale of Assets	-	1.62	-	-	-	-
Gain (Loss) on Sale of Investments	-	-0.74	-	-	-	-
Other Non-Interest Income	3.44	3.34	2.94	2.52	2.56	2.12
Total Non-Interest Income	6.27	6.5	4.79	4.32	4.36	4.25
Non-Interest Income Growth	-1.79%	35.54%	11.10%	-0.99%	2.66%	-3.02%
Revenues Before Loan Losses	46.55	42.71	37.07	35.51	33.92	30.99
Provision for Loan Losses	2.04	3.22	1.73	1.19	1.2	0.94
Revenue	44.51	39.48	35.34	34.32	32.72	30.05
Revenue Growth	16.37%	11.73%	2.97%	4.88%	8.89%	22.08%
Salaries and Employee Benefits	15.58	14.5	13.84	12.32	11.91	11.63
Federal Deposit Insurance	0.55	0.55	0.59	0.61	0.51	0.5
Selling, General & Administrative	6.9	7.15	7.01	5.26	6.14	5.92
Other Non-Interest Expense	5.03	4.89	4.56	6.48	4.27	4.1
Total Non-Interest Expense	28.05	27.09	26	24.67	22.83	22.12
EBT Excluding Unusual Items	16.46	12.4	9.34	9.65	9.9	7.93
Pretax Income	16.46	12.4	9.34	9.65	9.9	7.93
Income Tax Expense	3.29	2.39	1.79	1.86	1.84	1.49
Net Income	13.17	10.01	7.56	7.79	8.06	6.44
Net Income to Common	13.17	10.01	7.56	7.79	8.06	6.44
Net Income Growth	48.16%	32.44%	-3.05%	-3.31%	25.23%	26.35%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change	-0.13%	-	-	-	0.04%	0.35%
EPS (Basic)	5.42	4.11	3.10	3.20	3.31	2.65
EPS (Diluted)	5.42	4.11	3.10	3.20	3.31	2.65
EPS Growth	48.35%	32.44%	-3.05%	-3.31%	25.19%	25.91%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	1.350	1.140	1.020	-	0.905	0.850
Dividend Growth	22.73%	11.77%	-	-	6.47%	4.94%
Effective Tax Rate	19.96%	19.28%	19.13%	19.28%	18.57%	18.84%