CFSB · As filed with the SEC
CFSB Bancorp balance sheet, by fiscal year
The statement as CFSB Bancorp presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.
Consolidated Balance Sheets · USD
| USD | FY2025 Jun 30, 2025 | FY2024 Jun 30, 2024 | FY2023 Jun 30, 2023 | FY2022 Jun 30, 2022 | FY2021 Jun 30, 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Cash and due from banks | 1,691,000 | 1,339,000 | 1,486,000 | 1,609,000 | 1,708,000 |
| Short-term investments | 22,974,000 | 25,620,000 | 5,375,000 | 30,058,000 | 38,970,000 |
| Total cash and cash equivalents | 24,665,000 | 26,959,000 | 6,861,000 | 31,667,000 | 40,678,000 |
| Certificates of deposit | — | — | — | 0 | 980,000 |
| Securities available for sale | 91,000 | 113,000 | 146,000 | 199,000 | 2,294,000 |
| Securities held to maturity, at amortized cost, fair value of $132,273 at June 30, 2023 and $133,593 at June 30, 2022 | — | — | 147,902,000 | 145,239,000 | 105,114,000 |
| Securities held to maturity, net of allowance for credit losses of $204 and $149, fair value of $136,435 and $133,420 at June 30, 2025 and June 30, 2024, respectively | 145,752,000 | 146,994,000 | — | — | — |
| Federal Home Loan Bank stock, at cost | 704,000 | 704,000 | 381,000 | 191,000 | 453,000 |
| Loans, net of allowance for loan losses of $1,747 at June 30, 2023 and $1,747 at June 30, 2022 | — | — | 175,911,000 | 172,593,000 | 174,433,000 |
| Loans, net of allowance for credit losses of $1,547 at June 30, 2025 and $1,553 at June 30, 2024 | 177,214,000 | 170,438,000 | — | — | — |
| Premises and equipment, net | 3,027,000 | 3,246,000 | 3,413,000 | 3,334,000 | 3,459,000 |
| Accrued interest receivable | 1,451,000 | 1,398,000 | 1,363,000 | 1,265,000 | 1,146,000 |
| Bank-owned life insurance | 10,956,000 | 10,670,000 | 10,402,000 | 10,144,000 | 9,250,000 |
| Deferred tax asset | 1,291,000 | 1,245,000 | 1,079,000 | 1,079,000 | 665,000 |
| Operating lease right of use asset | 764,000 | 860,000 | 953,000 | — | — |
| Other assets | 690,000 | 812,000 | 596,000 | 472,000 | 382,000 |
| Total assets | 366,605,000 | 363,439,000 | 349,007,000 | 366,183,000 | 338,854,000 |
| Liabilities and Stockholders' Equity | |||||
| Deposits | |||||
| Non-interest bearing | 33,274,000 | 34,124,000 | 32,760,000 | 31,168,000 | 31,486,000 |
| Interest-bearing | 240,901,000 | 236,717,000 | 230,616,000 | 255,907,000 | 253,188,000 |
| Total deposits | 274,175,000 | 270,841,000 | 263,376,000 | 287,075,000 | 284,674,000 |
| Short-term borrowings | — | — | 3,675,000 | 0 | 918,000 |
| Federal Home Loan Bank of Boston advances | 10,350,000 | 10,350,000 | — | — | — |
| Mortgagors' escrow accounts | 1,634,000 | 1,525,000 | 1,596,000 | 1,555,000 | 1,572,000 |
| Operating lease liability | 789,000 | 877,000 | 962,000 | — | — |
| Accrued expenses and other liabilities | 3,926,000 | 3,796,000 | 3,509,000 | 3,303,000 | 3,045,000 |
| Total liabilities | 290,874,000 | 287,389,000 | 273,118,000 | 291,933,000 | 290,209,000 |
| Stockholders' Equity | |||||
| Preferred Stock, $.01 par value, 10,000,000 shares authorized, none outstanding | 0 | 0 | 0 | 0 | 0 |
| Common Stock, $.01 par value, 90,000,000 shares authorized, 6,548,575 issued and outstanding as of June 30, 2025 and 6,621,152 issued and outstanding as of June 30, 2024 | 65,000 | 65,000 | 65,000 | 65,000 | 0 |
| Additional paid-in capital | 28,476,000 | 28,139,000 | 27,814,000 | 27,720,000 | 0 |
| Treasury stock at cost, 84,067 and 11,490 shares at June 30, 2025 and 2024, respectively | (573,000) | (78,000) | — | — | — |
| Retained earnings | 49,961,000 | 50,226,000 | 50,416,000 | 48,970,000 | 48,628,000 |
| Accumulated other comprehensive income (loss) | 1,000 | (1,000) | (3,000) | 0 | 17,000 |
| Unearned compensation - ESOP, 219,856 and 230,084 shares unallocated at June 30, 2025 and June 30, 2024, respectively | (2,199,000) | (2,301,000) | (2,403,000) | (2,505,000) | 0 |
| Total stockholders' equity | 75,731,000 | 76,050,000 | 75,889,000 | 74,250,000 | 48,645,000 |
| Total liabilities and stockholders' equity | 366,605,000 | 363,439,000 | 349,007,000 | 366,183,000 | 338,854,000 |
As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.