Every 10-Q that PFS BANCORP INC (MD) (PFSB) 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 PFSB 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 PFSB filings page.
PFS Bancorp, Inc. reported stable profitability for the three and six months ended June 30, 2026. Quarterly net income was $437 thousand versus $438 thousand a year earlier, with basic EPS of $0.29. For the first six months, net income was $755 thousand compared with $723 thousand, and basic EPS increased to $0.50 from $0.46. Net interest income for the six-month period rose to $3,074 thousand, while the provision for credit losses declined to $40 thousand, offset by higher noninterest expenses of $2,479 thousand.
Total assets were $208,006 thousand at June 30, 2026, with net loans of $111,560 thousand and deposits of $167,501 thousand. Stockholders’ equity was $39,387 thousand, including accumulated other comprehensive loss of $1,753 thousand from unrealized losses on available-for-sale securities. The available-for-sale portfolio had a fair value of $63,160 thousand with gross unrealized losses of $2,708 thousand. The allowance for credit losses on loans was $860 thousand, and collateral-dependent loans totaled $776 thousand. Net cash provided by operating, investing, and financing activities was $600 thousand, $2,590 thousand, and $789 thousand, respectively, increasing cash and cash equivalents to $19,473 thousand.
PFS Bancorp, Inc. reported net income of $318 thousand for the three months ended March 31, 2026, up from $285 thousand a year earlier. Basic and diluted earnings per share were $0.21, compared with $0.18 in the prior-year quarter.
Net interest income rose to $1,489 thousand, while the provision for credit losses was modest at $15 thousand. Noninterest income was $164 thousand and noninterest expense increased to $1,244 thousand. Comprehensive income fell to $59 thousand, mainly due to unrealized losses on available-for-sale securities.
Total assets were $210.7M and deposits were $170.1M as of March 31, 2026. The bank remained strongly capitalized, with a leverage ratio of 16.1% and a total capital ratio of 33.5%, comfortably above well-capitalized regulatory thresholds.
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.