PFS Bancorp, Inc. (PFSB) Financial Statements (2026 and earlier)
Company Profile
| Business Address |
1730 FOURTH STREET PERU, IL 61354 |
| State of Incorp. | |
| Fiscal Year End | December 31 |
| Industry (SIC) | 6036 - Savings Institutions, Not Federally Chartered (benchmarking) |
| More info | Complete Financial Analysis Financial Benchmarking |
Balance Sheet (Statement of Financial Position) ($ in thousands)
| 12/31/2025 | 12/31/2024 | 12/31/2023 | |||
|---|---|---|---|---|---|
| ASSETS | |||||
| Current Assets | |||||
| Cash, cash equivalents, and short-term investments | 16,256 | 20,202 | |||
| Cash and cash equivalent | 16,256 | 20,202 | |||
| Financing receivable, accrued interest, after allowance for credit loss | ✕ | ✕ | 652 | ||
| Debt securities, held-to-maturity, accrued interest, after allowance for credit loss | ✕ | ✕ | 33 | ||
| Financing receivable, excluding accrued interest, after allowance for credit loss | ✕ | ✕ | 91,390 | ||
| Total current assets: | 16,256 | 112,277 | |||
| Noncurrent Assets | |||||
| Property, plant, and equipment, after accumulated depreciation, depletion, and amortization | 2,101 | 2,037 | |||
| Deferred income tax assets | 1,857 | 1,831 | |||
| Total noncurrent assets: | 3,958 | 3,868 | |||
| Other undisclosed assets | 177,423 | 77,308 | |||
| TOTAL ASSETS: | 197,637 | 193,453 | |||
| LIABILITIES AND EQUITY | |||||
| Liabilities | |||||
| Current Liabilities | |||||
| Deferred compensation liability | 645 | 921 | |||
| Total current liabilities: | 645 | 921 | |||
| Noncurrent Liabilities | |||||
| Liabilities, other than long-term debt | 645 | 921 | |||
| Deferred compensation liability, classified | 645 | 921 | |||
| Total noncurrent liabilities: | 645 | 921 | |||
| Other undisclosed liabilities | 159,672 | 156,092 | |||
| Total liabilities: | 160,962 | 157,934 | |||
| Equity | |||||
| Equity, attributable to parent, including: | 36,675 | 35,519 | |||
| Common stock | 17 | 17 | |||
| Treasury stock, value | (463) | (400) | |||
| Additional paid in capital | 15,603 | 15,605 | |||
| Accumulated other comprehensive loss | (3,313) | (3,174) | |||
| Retained earnings | 25,701 | 24,796 | |||
| Unearned esop shares | (1,270) | (1,325) | |||
| Other undisclosed equity, attributable to parent | 400 | ||||
| Total equity: | 36,675 | 35,519 | |||
| TOTAL LIABILITIES AND EQUITY: | 197,637 | 193,453 | |||
Income Statement (P&L) ($ in thousands)
| 12/31/2025 | 12/31/2024 | 12/31/2023 | ||
|---|---|---|---|---|
| Revenues | 8,079 | 6,627 | ||
| Net investment income | 8,014 | 6,556 | ||
| Cost of revenue (Provision for Loan, Lease, and Other Losses) | (165) | (99) | ||
| Gross profit: | 7,914 | 6,528 | ||
| Operating expenses | (1,416) | (1,249) | ||
| Operating income: | 6,498 | 5,279 | ||
| Interest and debt expense | (1,869) | |||
| Income from continuing operations before equity method investments, income taxes: | 6,498 | 3,410 | ||
| Other undisclosed loss from continuing operations before income taxes | (5,391) | (2,162) | ||
| Income from continuing operations before income taxes: | 1,107 | 1,248 | ||
| Income tax expense | (202) | (240) | ||
| Net income available to common stockholders, diluted: | 905 | 1,008 | ||
Comprehensive Income ($ in thousands)
| 12/31/2025 | 12/31/2024 | 12/31/2023 | ||
|---|---|---|---|---|
| Net income: | 905 | 1,008 | ||
| Other comprehensive income (loss) | (139) | 515 | ||
| Comprehensive income, net of tax, attributable to parent: | 766 | 1,523 | ||
Statements Sources
The financial statements are based on the Company's filings with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.