Welcome to our dedicated page for PFS Bancorp SEC filings (Ticker: PFSB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Regulatory disclosures for a regional bank often resemble a maze of capital ratios and loan-loss tables. PFS Bancorp’s annual report alone explains net interest margin, deposit mix, and community-loan concentrations across hundreds of pages. If you have ever wondered, “How do I read PFS Bancorp’s 10-K?” or searched for “PFS Bancorp insider trading Form 4 transactions,” you are in the right place.
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PFS Bancorp, Inc. reported stronger quarterly results in its Q3 filing. Net income rose to $416 thousand from $242 thousand a year ago, and EPS increased to $0.28 from $0.15. For the nine-month period, net income was $1.139 million with EPS of $0.74, up from $0.50.
Core banking trends were constructive. Net interest income improved to $1.429 million in Q3 (from $1.241 million) as loan interest rose with a larger portfolio; loans, net, reached $108.953 million vs. $96.274 million at year-end. The provision for credit losses was $40 thousand in Q3, down from $113 thousand, and the allowance increased to $847 thousand. Noninterest income was $257 thousand (vs. $168 thousand), while expenses were held near flat at $1.112 million.
The balance sheet expanded modestly: total assets were $202.920 million (vs. $197.637 million), and deposits were $163.060 million. Accumulated other comprehensive loss improved to $(1.704) million, reflecting higher securities values. Stockholders’ equity increased to $38.289 million. The company repurchased 47,700 shares in Q3 and 109,975 year-to-date. Shares outstanding were 1,603,945 as of November 6, 2025.
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