URSB Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Interest Income on Loans	15.4	12.58	9.3
Interest Income on Investments	2.14	2.2	1.94
Total Interest Income	17.53	14.78	11.24
Interest Paid on Deposits	6.99	5.98	3.44
Interest Paid on Borrowings	2.11	1.39	0.67
Total Interest Expense	9.1	7.37	4.11
Net Interest Income	8.43	7.41	7.13
Net Interest Income Growth (YoY)	13.75%	3.93%	-
Gain (Loss) on Sale of Investments	-0.19	-0.12	-
Other Non-Interest Income	0.42	0.29	0.23
Total Non-Interest Income	0.23	0.17	0.23
Non-Interest Income Growth (YoY)	35.47%	-23.56%	-
Revenues Before Loan Losses	8.66	7.58	7.36
Provision for Loan Losses	0.8	0.12	0.11
Revenue	7.86	7.47	7.25
Revenue Growth (YoY)	5.32%	2.98%	-
Salaries and Employee Benefits	3.79	3.64	3.36
Federal Deposit Insurance	0.34	0.29	0.19
Selling, General & Administrative	2.46	2.3	2.14
Other Non-Interest Expense	0.62	0.53	0.63
Total Non-Interest Expense	7.22	6.77	6.31
EBT Excluding Unusual Items	0.65	0.7	0.94
Pretax Income	0.65	0.7	0.94
Income Tax Expense	0.15	0.13	0.22
Net Income	0.5	0.58	0.72
Net Income to Common	0.5	0.58	0.72
Net Income Growth	-12.67%	-20.00%	-
Basic Shares Outstanding	2	-	-
Diluted Shares Outstanding	2	-	-
EPS (Basic)	0.22	-	-
EPS (Diluted)	0.22	-	-
Effective Tax Rate	22.38%	17.83%	23.40%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.