Bancorp 34, Inc. (BCTF)

Bancorp 34 Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	44.71	44.01	25.78	21.82	19.47
Interest Income on Investments	8.48	6.77	2.35	1.94	1.41
Total Interest Income	53.19	50.79	28.12	23.76	20.88
Interest Paid on Deposits	20.09	19.02	11.14	3.68	1.49
Interest Paid on Borrowings	1.38	2.47	1.81	1.63	0.68
Total Interest Expense	21.48	21.49	12.95	5.31	2.16
Net Interest Income	31.71	29.3	15.18	18.45	18.72
Net Interest Income Growth (YoY)	8.24%	93.07%	-17.74%	-1.45%	17.11%
Mortgage Banking Activities	0.04	-	-	-	-
Gain (Loss) on Sale of Assets	-	-0.43	-	-0.03	-0.02
Gain (Loss) on Sale of Investments	-	-	-	-	0.2
Other Non-Interest Income	0.97	0.4	0.24	0.57	0.87
Total Non-Interest Income	1	0.54	0.73	0.55	1.3
Non-Interest Income Growth (YoY)	85.74%	-26.03%	33.95%	-57.92%	71.74%
Revenues Before Loan Losses	32.72	29.84	15.91	18.99	20.01
Provision for Loan Losses	-3.61	3.83	4.22	2.42	0.5
Revenue	36.32	26.01	11.68	16.57	19.51
Revenue Growth (YoY)	39.63%	122.68%	-29.51%	-15.07%	31.91%
Salaries and Employee Benefits	13.74	12.13	5.97	8.74	7.96
Federal Deposit Insurance	-	0.59	0.35	0.43	0.23
Amortization of Goodwill & Intangibles	-	1.34	-	-	-
Selling, General & Administrative	2.69	9.43	4.75	4.36	4.29
Other Non-Interest Expense	9.94	3.17	1.45	1.65	1.11
Total Non-Interest Expense	26.37	26.65	12.53	15.18	13.59
EBT Excluding Unusual Items	9.95	-0.64	-0.85	1.39	5.93
Other Unusual Items	-	5.02	-	-	-
Pretax Income	9.95	0.62	-3.86	1.39	5.93
Income Tax Expense	2.09	-1.07	-0.45	0.06	1.29
Earnings From Continuing Operations	7.86	1.69	-3.4	1.33	4.64
Net Income	7.86	1.69	-3.4	1.33	4.64
Preferred Dividends & Other Adjustments	-	-0	0.1	0.01	0.04
Net Income to Common	7.86	1.69	-3.51	1.32	4.6
Net Income Growth	365.42%	-	-	-71.30%	158.18%
Basic Shares Outstanding	8	7	4	2	3
Diluted Shares Outstanding	8	7	4	2	3
Shares Change (YoY)	16.65%	66.86%	69.93%	-12.87%	-9.03%
EPS (Basic)	1.00	0.25	-0.87	0.56	1.69
EPS (Diluted)	1.00	0.25	-0.87	0.56	1.69
EPS Growth	298.53%	-	-	-66.92%	186.44%
Dividend Per Share	-	-	0.140	0.280	0.200
Dividend Growth	-	-	-50.00%	40.00%	-
Effective Tax Rate	20.99%	-	-	4.18%	21.79%

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