URSB 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
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Interest Income on Loans	17.12	15.4	12.58	9.3
Interest Income on Investments	2.2	2.14	2.2	1.94
Total Interest Income	19.31	17.53	14.78	11.24
Interest Paid on Deposits	7.7	6.99	5.98	3.44
Interest Paid on Borrowings	2.15	2.11	1.39	0.67
Total Interest Expense	9.85	9.1	7.37	4.11
Net Interest Income	9.47	8.43	7.41	7.13
Net Interest Income Growth	22.56%	13.75%	3.93%	-
Gain (Loss) on Sale of Investments	-0.06	-0.19	-0.12	-
Other Non-Interest Income	0.55	0.42	0.29	0.23
Total Non-Interest Income	0.49	0.23	0.17	0.23
Non-Interest Income Growth	149.49%	35.47%	-23.56%	-
Revenues Before Loan Losses	9.96	8.66	7.58	7.36
Provision for Loan Losses	0.86	0.8	0.12	0.11
Revenue	9.1	7.86	7.47	7.25
Revenue Growth	18.29%	5.32%	2.98%	-
Salaries and Employee Benefits	4.18	3.79	3.64	3.36
Federal Deposit Insurance	0.38	0.34	0.29	0.19
Selling, General & Administrative	2.69	2.46	2.3	2.14
Other Non-Interest Expense	1.05	0.62	0.53	0.63
Total Non-Interest Expense	8.3	7.22	6.77	6.31
EBT Excluding Unusual Items	0.8	0.65	0.7	0.94
Pretax Income	0.8	0.65	0.7	0.94
Income Tax Expense	0.12	0.15	0.13	0.22
Net Income	0.68	0.5	0.58	0.72
Net Income to Common	0.68	0.5	0.58	0.72
Net Income Growth	32.81%	-12.67%	-20.00%	-
Basic Shares Outstanding	2	2	-	-
Diluted Shares Outstanding	2	2	-	-
Shares Change	54.85%	-	-	-
EPS (Basic)	0.29	0.22	-	-
EPS (Diluted)	0.29	0.22	-	-
EPS Growth	-14.23%	-	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Effective Tax Rate	14.89%	22.38%	17.83%	23.40%