PB Bankshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	20.78	19.54	17.01	12.8	9.7	8.48
Interest Income on Investments	3.65	3.95	2.82	1.02	0.37	0.59
Total Interest Income	24.44	23.49	19.83	13.82	10.06	9.06
Interest Paid on Deposits	10.39	10.61	5.91	2.05	1.78	1.9
Interest Paid on Borrowings	1.48	1.79	1.81	0.91	0.42	0.54
Total Interest Expense	11.87	12.4	7.72	2.96	2.2	2.43
Net Interest Income	12.57	11.09	12.11	10.86	7.86	6.63
Net Interest Income Growth (YoY)	13.76%	-8.42%	11.51%	38.18%	18.53%	-4.22%
Gain (Loss) on Sale of Assets	0.49	0.49	-0.05	0.82	0.01	-
Gain (Loss) on Sale of Investments	-0	-0.01	0.01	-0.1	-0.03	0.02
Other Non-Interest Income	0.74	0.62	0.65	0.51	0.64	0.44
Total Non-Interest Income	1.44	1.31	0.79	1.42	0.8	0.67
Non-Interest Income Growth (YoY)	68.62%	67.26%	-44.60%	78.24%	19.37%	9.18%
Revenues Before Loan Losses	14.01	12.41	12.9	12.28	8.66	7.3
Provision for Loan Losses	0.09	-0.04	0.63	1.2	0.29	0.76
Revenue	13.92	12.44	12.27	11.08	8.37	6.54
Revenue Growth (YoY)	17.20%	1.44%	10.70%	32.39%	28.00%	-4.37%
Salaries and Employee Benefits	5.08	4.65	4.53	4.07	3.99	3.47
Occupancy Expenses	0.64	0.55	0.55	0.57	0.57	0.71
Federal Deposit Insurance	0.2	0.23	0.18	0.12	0.19	0.11
Selling, General & Administrative	3.32	3.56	3.28	2.45	1.79	2.18
Other Non-Interest Expense	1.34	1.21	1.26	1.23	0.87	0.63
Total Non-Interest Expense	10.58	10.2	9.8	8.44	7.42	7.09
EBT Excluding Unusual Items	3.33	2.25	2.46	2.65	0.96	-0.56
Pretax Income	3	2.25	2.46	2.65	0.96	-0.56
Income Tax Expense	0.69	0.48	0.55	0.53	0.17	-0.14
Net Income	2.31	1.77	1.92	2.11	0.79	-0.42
Net Income to Common	2.31	1.77	1.92	2.11	0.79	-0.42
Net Income Growth	54.20%	-7.66%	-9.22%	169.30%	-	-
Basic Shares Outstanding	2	2	2	3	3	-
Diluted Shares Outstanding	2	2	2	3	3	-
Shares Change (YoY)	-0.57%	-6.03%	-3.07%	0.44%	-	-
EPS (Basic)	1.01	0.77	0.78	0.82	0.31	-
EPS (Diluted)	0.98	0.76	0.77	0.82	0.31	-
EPS Growth	53.39%	-1.30%	-6.10%	166.91%	-	-
Effective Tax Rate	22.87%	21.14%	22.12%	20.08%	17.80%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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