CFSB · As filed with the SEC
CFSB Bancorp balance sheet, by quarter
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 | Q4 FY25 Jun 30, 2025 | Q3 FY25 Mar 31, 2025 | Q2 FY24 Dec 31, 2024 | Q1 FY24 Sep 30, 2024 | Q4 FY24 Jun 30, 2024 | Q3 FY24 Mar 31, 2024 | Q2 FY24 Dec 31, 2023 | Q1 FY24 Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Cash and due from banks | 1,691,000 | 1,205,000 | 1,506,000 | 1,157,000 | 1,339,000 | 1,182,000 | 1,299,000 | 1,394,000 |
| Short-term investments | 22,974,000 | 27,045,000 | 27,323,000 | 29,510,000 | 25,620,000 | 20,482,000 | 14,425,000 | 4,724,000 |
| Total cash and cash equivalents | 24,665,000 | 28,250,000 | 28,829,000 | 30,667,000 | 26,959,000 | 21,664,000 | 15,724,000 | 6,118,000 |
| Securities available for sale | 91,000 | 97,000 | 103,000 | 108,000 | 113,000 | 119,000 | 132,000 | 139,000 |
| Securities held to maturity, at amortized cost, net of allowance for credit loss, fair value of $136,427 at December 31, 2023 and $132,273 at June 30, 2023 | — | — | — | — | — | — | 149,117,000 | 147,537,000 |
| 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 | 145,869,000 | 147,917,000 | 146,853,000 | 146,994,000 | 146,463,000 | — | — |
| Federal Home Loan Bank stock, at cost | 704,000 | 704,000 | 704,000 | 704,000 | 704,000 | 704,000 | 950,000 | 405,000 |
| Loans, net of allowance for credit losses of $1,561 at March 31, 2024 and $1,747 at June 30, 2023 | — | — | — | — | — | 170,888,000 | 174,974,000 | 174,080,000 |
| Loans, net of allowance for credit losses of $1,547 at June 30, 2025 and $1,553 at June 30, 2024 | 177,214,000 | 173,164,000 | 167,152,000 | 168,023,000 | 170,438,000 | — | — | — |
| Premises and equipment, net | 3,027,000 | 3,078,000 | 3,130,000 | 3,186,000 | 3,246,000 | 3,267,000 | 3,317,000 | 3,354,000 |
| Accrued interest receivable | 1,451,000 | 1,382,000 | 1,355,000 | 1,354,000 | 1,398,000 | 1,400,000 | 1,467,000 | 1,395,000 |
| Bank-owned life insurance | 10,956,000 | 10,877,000 | 10,809,000 | 10,739,000 | 10,670,000 | 10,603,000 | 10,536,000 | 10,468,000 |
| Deferred tax asset | 1,291,000 | 1,226,000 | 1,193,000 | 1,243,000 | 1,245,000 | 1,129,000 | 1,074,000 | 1,132,000 |
| Operating lease right of use asset | 764,000 | 788,000 | 812,000 | 836,000 | 860,000 | 884,000 | 907,000 | 930,000 |
| Other assets | 690,000 | 765,000 | 754,000 | 773,000 | 812,000 | 943,000 | 827,000 | 663,000 |
| Total assets | 366,605,000 | 366,200,000 | 362,758,000 | 364,486,000 | 363,439,000 | 358,064,000 | 359,025,000 | 346,221,000 |
| Liabilities and Stockholders' Equity | ||||||||
| Deposits | ||||||||
| Non-interest bearing | 33,274,000 | 29,430,000 | 27,991,000 | 31,190,000 | 34,124,000 | 30,789,000 | 29,612,000 | 30,918,000 |
| Interest-bearing | 240,901,000 | 244,331,000 | 242,367,000 | 240,480,000 | 236,717,000 | 234,849,000 | 228,328,000 | 229,755,000 |
| Total deposits | 274,175,000 | 273,761,000 | 270,358,000 | 271,670,000 | 270,841,000 | 265,638,000 | 257,940,000 | 260,673,000 |
| Short-term borrowings | — | — | — | — | — | — | — | 3,250,000 |
| Federal Home Loan Bank of Boston advances | 10,350,000 | 10,350,000 | 10,350,000 | 10,350,000 | 10,350,000 | 10,350,000 | 19,100,000 | — |
| Mortgagors' escrow accounts | 1,634,000 | 1,638,000 | 1,684,000 | 1,590,000 | 1,525,000 | 1,526,000 | 1,644,000 | 1,626,000 |
| Operating lease liability | 789,000 | 811,000 | 833,000 | 855,000 | 877,000 | 898,000 | 920,000 | 941,000 |
| Accrued expenses and other liabilities | 3,926,000 | 3,925,000 | 3,862,000 | 3,986,000 | 3,796,000 | 3,790,000 | 3,626,000 | 3,834,000 |
| Total liabilities | 290,874,000 | 290,485,000 | 287,087,000 | 288,451,000 | 287,389,000 | 282,202,000 | 283,230,000 | 270,324,000 |
| Stockholders' Equity | ||||||||
| Preferred Stock, $.01 par value, 10,000,000 shares authorized, none outstanding | 0 | 0 | 0 | 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 | 65,000 | 65,000 | 65,000 | 65,000 |
| Additional paid-in capital | 28,476,000 | 28,385,000 | 28,302,000 | 28,220,000 | 28,139,000 | 28,058,000 | 27,976,000 | 27,896,000 |
| Treasury stock at cost, 84,067 and 11,490 shares at June 30, 2025 and 2024, respectively | (573,000) | (573,000) | (504,000) | (195,000) | (78,000) | — | — | — |
| Retained earnings | 49,961,000 | 50,062,000 | 50,058,000 | 50,220,000 | 50,226,000 | 50,066,000 | 50,106,000 | 50,316,000 |
| Accumulated other comprehensive income (loss) | 1,000 | 0 | 0 | 0 | (1,000) | (1,000) | (1,000) | (3,000) |
| Unearned compensation - ESOP, 219,856 and 230,084 shares unallocated at June 30, 2025 and June 30, 2024, respectively | (2,199,000) | (2,224,000) | (2,250,000) | (2,275,000) | (2,301,000) | (2,326,000) | (2,351,000) | (2,377,000) |
| Total stockholders' equity | 75,731,000 | 75,715,000 | 75,671,000 | 76,035,000 | 76,050,000 | 75,862,000 | 75,795,000 | 75,897,000 |
| Total liabilities and stockholders' equity | 366,605,000 | 366,200,000 | 362,758,000 | 364,486,000 | 363,439,000 | 358,064,000 | 359,025,000 | 346,221,000 |
As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.