Mercer Bancorp, Inc. (MSBB)

Mercer Bancorp Income Statement

Financials in millions USD. Fiscal year is October - September.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Interest Income on Loans	8.38	7.59	5.38	4.32	4.34
Interest Income on Investments	0.67	0.66	0.63	0.27	0.12
Total Interest Income	9.06	8.25	6	4.59	4.46
Interest Paid on Deposits	1.84	1.73	0.49	0.23	0.36
Interest Paid on Borrowings	1.02	0.8	0.11	0.03	0.04
Total Interest Expense	2.86	2.53	0.6	0.26	0.4
Net Interest Income	6.2	5.71	5.4	4.33	4.06
Net Interest Income Growth (YoY)	12.67%	5.75%	24.77%	6.67%	-
Gain (Loss) on Sale of Investments	0	0	-0.01	-	-
Other Non-Interest Income	0.79	0.82	0.64	0.74	0.56
Total Non-Interest Income	0.83	0.85	0.65	0.79	0.66
Non-Interest Income Growth (YoY)	20.01%	31.08%	-18.76%	21.04%	-
Revenues Before Loan Losses	7.02	6.56	6.05	5.12	4.72
Provision for Loan Losses	0.1	0.07	-	0.03	0.18
Revenue	6.93	6.49	6.05	5.1	4.54
Revenue Growth (YoY)	11.94%	7.33%	18.60%	12.43%	-
Salaries and Employee Benefits	2.42	2.42	2.2	2.07	1.92
Occupancy Expenses	0.51	0.51	0.45	0.34	0.36
Federal Deposit Insurance	0.08	0.07	0.06	0.04	0.04
Selling, General & Administrative	1.76	1.46	1	0.79	0.77
Other Non-Interest Expense	1.28	1.17	0.8	0.7	0.7
Total Non-Interest Expense	6.06	5.63	5.13	3.96	3.82
EBT Excluding Unusual Items	0.86	0.86	0.92	1.14	0.71
Pretax Income	0.86	0.86	0.92	1.14	0.71
Income Tax Expense	0.16	0.17	0.17	0.19	0.14
Net Income	0.7	0.69	0.74	0.94	0.57
Net Income to Common	0.7	0.69	0.74	0.94	0.57
Net Income Growth	73.41%	-6.89%	-21.16%	65.18%	-
Basic Shares Outstanding	1	1	1	1	-
Diluted Shares Outstanding	1	1	1	1	-
Shares Change (YoY)	-7.08%	-7.23%	-4.28%	-	-
EPS (Basic)	0.74	0.73	0.73	0.88	-
EPS (Diluted)	0.74	0.73	0.73	0.88	-
EPS Growth	86.62%	0.38%	-17.63%	-	-
Effective Tax Rate	18.80%	19.30%	18.90%	16.98%	19.99%

Updated Feb 14, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.