Bancorp 34, Inc. (BCTF)

Bancorp 34 Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	44.87	44.71	44.01	25.78	21.82	19.47
Interest Income on Investments	7.75	8.48	6.77	2.35	1.94	1.41
Total Interest Income	52.62	53.19	50.79	28.12	23.76	20.88
Interest Paid on Deposits	19.36	20.09	19.02	11.14	3.68	1.49
Interest Paid on Borrowings	1.37	1.38	2.47	1.81	1.63	0.68
Total Interest Expense	20.73	21.48	21.49	12.95	5.31	2.16
Net Interest Income	31.9	31.71	29.3	15.18	18.45	18.72
Net Interest Income Growth (YoY)	-5.21%	8.24%	93.07%	-17.74%	-1.45%	17.11%
Mortgage Banking Activities	0.03	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	0.93	0.97	0.4	0.24	0.57	0.87
Total Non-Interest Income	0.97	1	0.54	0.73	0.55	1.3
Non-Interest Income Growth (YoY)	-9.95%	85.74%	-26.03%	33.95%	-57.92%	71.74%
Revenues Before Loan Losses	32.87	32.72	29.84	15.91	18.99	20.01
Provision for Loan Losses	-2.11	-3.61	3.83	4.22	2.42	0.5
Revenue	34.97	36.32	26.01	11.68	16.57	19.51
Revenue Growth (YoY)	-3.71%	39.63%	122.68%	-29.51%	-15.07%	31.91%
Salaries and Employee Benefits	13.61	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	2.71	2.69	9.43	4.75	4.36	4.29
Other Non-Interest Expense	9.62	9.94	3.17	1.45	1.65	1.11
Total Non-Interest Expense	25.95	26.37	26.65	12.53	15.18	13.59
EBT Excluding Unusual Items	9.02	9.95	-0.64	-0.85	1.39	5.93
Other Unusual Items	-	-	5.02	-	-	-
Pretax Income	9.02	9.95	0.62	-3.86	1.39	5.93
Income Tax Expense	1.82	2.09	-1.07	-0.45	0.06	1.29
Earnings From Continuing Operations	7.21	7.86	1.69	-3.4	1.33	4.64
Net Income	7.21	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	7.21	7.86	1.69	-3.51	1.32	4.6
Net Income Growth	30.18%	365.42%	-	-	-71.30%	158.18%
Basic Shares Outstanding	8	8	7	4	2	3
Diluted Shares Outstanding	8	8	7	4	2	3
Shares Change (YoY)	2.32%	16.65%	66.86%	69.93%	-12.87%	-9.03%
EPS (Basic)	0.96	1.00	0.25	-0.87	0.56	1.69
EPS (Diluted)	0.96	1.00	0.25	-0.87	0.56	1.69
EPS Growth	27.27%	298.53%	-	-	-66.92%	186.44%
Dividend Per Share	-	-	-	0.140	0.280	0.200
Dividend Growth	-	-	-	-50.00%	40.00%	-
Effective Tax Rate	20.13%	20.99%	-	-	4.18%	21.79%

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