Every 10-Q that Fifth District Bancorp, Inc. (FDSB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow FDSB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FDSB filings page.
Fifth District Bancorp, Inc. reported modest balance sheet growth with a loan-driven shift in assets but sharply lower profitability for the three and six months ended June 30, 2026. Total assets were $532.1 million, little changed from $534.4 million at year-end 2025, while loans receivable rose to $394.3 million from $377.4 million, funded in part by a reduction in cash and cash equivalents to $19.2 million from $33.9 million.
Net interest income improved, reaching $3.7 million for the quarter and $7.3 million year-to-date, compared with $3.1 million and $6.1 million in 2025, as interest income increased and deposit interest expense declined. No provision for credit losses was recorded. However, non-interest income normalized after a one-time $3.5 million gain on insurance proceeds in 2025, resulting in net income of only $0.4 million for the quarter and $0.8 million year-to-date, versus $3.1 million and $3.2 million a year earlier. Earnings per share were $0.08 for the quarter and $0.16 year-to-date, down from $0.61 and $0.62.
Asset quality indicators remained stable: the allowance for credit losses stayed at $1.7 million, nonaccrual loans decreased to $343 thousand, and there were no charge-offs. The securities portfolio carried unrealized losses of $5.8 million, which management attributed to higher market interest rates, with no credit-related allowance recorded. Stockholders’ equity was steady at $129.0 million after $1.7 million of share repurchases.
Fifth District Bancorp, Inc. reported sharply higher profitability for the quarter ended March 31, 2026. Net income rose to $387,000 from $78,000 a year earlier, with basic and diluted earnings per share increasing to $0.08 from $0.02.
Total assets were $535.7 million, little changed from $534.4 million at year-end 2025, while net loans grew to $388.4 million. Net interest income improved to $3.55 million as interest expense on deposits declined and loan interest income increased. Credit quality remained stable, with nonaccrual loans of $63,000 and an allowance for credit losses of $1.70 million. The bank reported strong regulatory capital, including a Tier 1 leverage ratio of 21.41% and a Common Equity Tier 1 ratio of 39.39%, well above well-capitalized thresholds.
Fifth District Bancorp (FDSB) reported Q3 2025 results with net income of $343 thousand, compared with a loss of $788 thousand a year ago. Net interest income rose to $3,345 thousand from $2,883 thousand as higher yields on loans and securities offset funding costs.
For the nine months, net income was $3,547 thousand, aided by $4,209 thousand in non‑interest income, which included a gain on insurance proceeds. Total assets reached $539,500 thousand, up from $527,307 thousand at year‑end. Loans receivable, net, increased to $379,290 thousand from $367,333 thousand, while the allowance for credit losses remained $1,699 thousand. Stockholders’ equity improved to $131,298 thousand, and accumulated other comprehensive loss narrowed, reflecting higher fair values in the available‑for‑sale portfolio. The company repurchased 36,723 shares during the quarter.
Interest‑bearing deposits were $394,813 thousand. Shares outstanding were 5,522,750 as of November 12, 2025.