VWF Bancorp Income Statement

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest Income on Loans	10.84	8.62	4.84	2.87	2.73	2.75
Interest Income on Investments	11.14	10.52	7.18	2.18	0.47	0.36
Total Interest Income	21.98	19.15	12.02	5.05	3.2	3.11
Interest Paid on Deposits	11.94	10.45	5.05	0.76	0.32	0.45
Interest Paid on Borrowings	0.73	0.87	1.68	0.03	0	0
Total Interest Expense	12.67	11.31	6.73	0.78	0.32	0.45
Net Interest Income	9.3	7.83	5.3	4.27	2.88	2.66
Net Interest Income Growth (YoY)	45.13%	47.85%	23.92%	48.65%	8.19%	-7.30%
Gain (Loss) on Sale of Assets	-0.01	-0.01	0	-	-	-
Gain (Loss) on Sale of Investments	0.2	-2.26	-0	-	-0.29	-
Other Non-Interest Income	0.35	0.29	0.23	0.21	0.22	0.21
Total Non-Interest Income	0.54	-1.98	0.23	0.21	-0.07	0.21
Non-Interest Income Growth (YoY)	-	-	9.62%	-	-	-0.27%
Revenues Before Loan Losses	9.85	5.85	5.52	4.48	2.8	2.87
Provision for Loan Losses	0.58	0.78	0.62	0.04	-	-
Revenue	9.27	5.07	4.91	4.44	2.8	2.87
Revenue Growth (YoY)	156.03%	3.45%	10.45%	58.60%	-2.47%	-6.81%
Salaries and Employee Benefits	4.83	4.33	3.51	3.02	1.49	1.37
Occupancy Expenses	0.76	0.77	0.47	0.28	0.18	0.17
Federal Deposit Insurance	0.53	0.44	0.14	0.05	0.03	0.03
Selling, General & Administrative	2.02	2.47	2.18	1.14	0.61	0.55
Other Non-Interest Expense	1.2	1.31	1.17	0.67	0.53	0.46
Total Non-Interest Expense	9.34	9.32	7.48	5.17	2.84	2.58
EBT Excluding Unusual Items	-0.08	-4.25	-2.57	-0.73	-0.04	0.29
Pretax Income	-0.08	-4.25	-2.57	-0.73	-0.04	0.29
Income Tax Expense	0.01	-0.95	-0.55	-0.18	-0.03	0.04
Net Income	-0.08	-3.3	-2.02	-0.55	-0.01	0.26
Net Income to Common	-0.08	-3.3	-2.02	-0.55	-0.01	0.26
Net Income Growth	-	-	-	-	-	-37.31%
Basic Shares Outstanding	2	2	2	2	2	-
Diluted Shares Outstanding	2	2	2	2	2	-
Shares Change (YoY)	0.21%	-0.70%	-0.24%	-7.79%	-	-
EPS (Basic)	-0.05	-1.88	-1.14	-0.31	-0.00	-
EPS (Diluted)	-0.05	-1.88	-1.14	-0.31	-0.00	-
Effective Tax Rate	-	-	-	-	-	12.02%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.