FCBM 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	168.6	166.68	158.15	120.79
Interest Income on Investments	22.03	22.76	17.94	14.77
Total Interest Income	190.63	189.43	176.09	135.57
Interest Paid on Deposits	80.79	86.17	78.51	62.17
Interest Paid on Borrowings	5.05	4.82	6.02	7.52
Total Interest Expense	85.83	90.99	84.53	69.69
Net Interest Income	104.79	98.44	91.56	65.88
Net Interest Income Growth	-	7.51%	38.98%	-
Gain (Loss) on Sale of Investments	0.11	1.72	-	0.11
Other Non-Interest Income	3.6	4.54	2.22	1.19
Total Non-Interest Income	28.45	43.24	5.48	2.41
Non-Interest Income Growth	-	689.79%	127.56%	-
Revenues Before Loan Losses	133.24	141.68	97.04	68.28
Provision for Loan Losses	-2.33	8.54	-1.77	1.3
Revenue	135.57	133.14	98.8	66.98
Revenue Growth	-	34.76%	47.50%	-
Salaries and Employee Benefits	46.03	51.65	26.61	20.25
Occupancy Expenses	15.38	14.26	3.21	2.58
Federal Deposit Insurance	3.66	3.89	2.95	2.41
Amortization of Goodwill & Intangibles	2.54	2.54	-	-
Selling, General & Administrative	26.47	28.06	10.67	8.67
Other Non-Interest Expense	0.72	6.84	28.5	8.39
Total Non-Interest Expense	94.8	107.23	71.94	42.29
EBT Excluding Unusual Items	40.77	25.91	26.86	24.7
Other Unusual Items	-10.36	-10.36	-0.42	-
Pretax Income	30.41	15.55	26.44	24.7
Income Tax Expense	6.61	3.35	5.53	5.07
Net Income	23.81	12.2	20.91	19.63
Net Income to Common	23.81	12.2	20.91	19.63
Net Income Growth	-	-41.66%	6.54%	-
Basic Shares Outstanding	31	25	22	22
Diluted Shares Outstanding	31	25	22	22
Shares Change	-	12.25%	1.80%	-
EPS (Basic)	0.77	0.50	0.96	0.91
EPS (Diluted)	0.77	0.49	0.95	0.91
EPS Growth	-	-47.89%	4.97%	-

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	21.72%	21.56%	20.91%	20.52%

SEC Filings: 10-K · 10-Q