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	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Interest Income on Loans	18	15.4	12.58	9.3
Interest Income on Investments	2.22	2.14	2.2	1.94
Total Interest Income	20.22	17.53	14.78	11.24
Interest Paid on Deposits	8.13	6.99	5.98	3.44
Interest Paid on Borrowings	2.03	2.11	1.39	0.67
Total Interest Expense	10.17	9.1	7.37	4.11
Net Interest Income	10.05	8.43	7.41	7.13
Net Interest Income Growth	24.47%	13.75%	3.93%	-
Gain (Loss) on Sale of Investments	-0.03	-0.19	-0.12	-
Other Non-Interest Income	0.61	0.42	0.29	0.23
Total Non-Interest Income	0.58	0.23	0.17	0.23
Non-Interest Income Growth	171.10%	35.47%	-23.56%	-
Revenues Before Loan Losses	10.64	8.66	7.58	7.36
Provision for Loan Losses	0.76	0.8	0.12	0.11
Revenue	9.87	7.86	7.47	7.25
Revenue Growth	26.95%	5.32%	2.98%	-
Salaries and Employee Benefits	4.55	3.79	3.64	3.36
Federal Deposit Insurance	0.36	0.34	0.29	0.19
Selling, General & Administrative	2.61	2.46	2.3	2.14
Other Non-Interest Expense	1.07	0.62	0.53	0.63
Total Non-Interest Expense	8.91	7.22	6.77	6.31
EBT Excluding Unusual Items	0.96	0.65	0.7	0.94
Pretax Income	0.96	0.65	0.7	0.94
Income Tax Expense	0.16	0.15	0.13	0.22
Net Income	0.8	0.5	0.58	0.72
Net Income to Common	0.8	0.5	0.58	0.72
Net Income Growth	58.23%	-12.67%	-20.00%	-
Basic Shares Outstanding	2	2	-	-
Diluted Shares Outstanding	2	2	-	-
Shares Change	-	-	-	-
EPS (Basic)	0.34	0.22	-	-
EPS (Diluted)	0.34	0.22	-	-
EPS Growth	58.23%	-	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Effective Tax Rate	16.61%	22.38%	17.83%	23.40%