Complete Filing Data
PFS Bancorp, Inc. reported Stockholders Equity of $39.05 million for FY2025.
All values from 10-K, 20-F, and 10-Q filings on SEC EDGAR, organized by financial statement. Scroll each table horizontally for the full history. Blank cells mean PFS Bancorp, Inc. did not report that metric for that period in XBRL — often because accounting standards changed which tag a company files under (for example, most companies moved revenue to the ASC-606 tag in 2018), so a metric may continue in a different row. Rows marked * merge those successor tags into one continuous series, preferring the audited value from the newest-standard tag where periods overlap.
Income Statement
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Net Income * | $1.7M | $905.0K | $1.0M | $831.0K |
| Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent | $1.9M | -$139.0K | $515.0K | -$4.1M |
| Other Comprehensive Income Loss Net Of Tax | $1.9M | -$139.0K | $515.0K | -$4.1M |
| Other Comprehensive Income Loss Available For Sale Securities Before Reclassification Adjustments Tax | $744.0K | -$56.0K | $206.0K | -$1.7M |
| Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Reclassification Adjustments Net Of Tax | $1.9M | -$139.0K | $515.0K | -$4.3M |
| Interest Income Expense Net | $5.6M | $5.0M | $4.7M | $4.2M |
| Interest Income Expense After Provision For Loan Loss | $5.5M | $4.9M | $4.6M | $4.1M |
| Interest Expense Deposits | $3.3M | $3.0M | $1.9M | $640.0K |
| Income Tax Expense Benefit | $405.0K | $202.0K | $240.0K | $155.0K |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest | $2.1M | $1.1M | $1.2M | $986.0K |
| Comprehensive Income Net Of Tax | $3.5M | $766.0K | $1.5M | -$3.3M |
| Deferred Income Tax Assets Net | $1.1M | $1.9M | $1.8M | $2.0M |
| Income Taxes Paid Net | $178.0K | $268.0K | $23.0K | $300.0K |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income * | $416.0K | $438.0K | $285.0K | $242.0K | $274.0K | $276.0K | $300.0K | $209.0K | $213.0K | $259.0K | $270.0K |
| Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent | $621.0K | $345.0K | $643.0K | $1.5M | $204.0K | -$322.0K | -$734.0K | -$284.0K | $90.0K | -$695.0K | -$2.0M |
| Other Comprehensive Income Loss Net Of Tax | $621.0K | $345.0K | $643.0K | $1.5M | $204.0K | -$322.0K | -$734.0K | -$284.0K | $90.0K | -$695.0K | -$2.0M |
| Other Comprehensive Income Loss Available For Sale Securities Before Reclassification Adjustments Tax | $178.0K | $137.0K | $254.0K | $595.0K | $81.0K | -$129.0K | -$293.0K | -$113.0K | -$35.0K | -$277.0K | -$806.0K |
| Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Reclassification Adjustments Net Of Tax | $621.0K | $345.0K | $643.0K | $1.5M | $204.0K | -$322.0K | -$734.0K | -$284.0K | $90.0K | -$695.0K | -$2.0M |
| Interest Income Expense Net | $1.4M | $1.4M | $1.3M | $1.2M | $1.2M | $1.2M | $1.2M | $1.1M | $1.1M | $1.1M | $995.0K |
| Interest Income Expense After Provision For Loan Loss | $1.4M | $1.4M | $1.3M | $1.1M | $1.2M | $1.2M | $1.1M | $1.1M | $1.1M | $1.0M | $1.0M |
| Interest Expense Deposits | $829.0K | $813.0K | $813.0K | $776.0K | $748.0K | $649.0K | $517.0K | $443.0K | $317.0K | $164.0K | $118.0K |
| Income Tax Expense Benefit | $118.0K | $114.0K | $84.0K | $18.0K | $86.0K | $58.0K | $70.0K | $39.0K | $47.0K | $78.0K | $64.0K |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest | $534.0K | $552.0K | $369.0K | $260.0K | $360.0K | $334.0K | $370.0K | $248.0K | $260.0K | $337.0K | $334.0K |
| Comprehensive Income Net Of Tax | $1.0M | $783.0K | $928.0K | $1.7M | $478.0K | -$46.0K | -$434.0K | -$75.0K | $303.0K | -$436.0K | -$1.8M |
| Deferred Income Tax Assets Net | $1.3M | $1.4M | $1.6M | $1.4M | $1.9M | $2.0M | $2.4M | $2.1M | |||
| Income Taxes Paid Net | $155.0K | -$28.0K |
Balance Sheet
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Stockholders Equity | $39.1M | $36.7M | $35.9M | $20.1M | $23.4M |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | $842.0K | $700.0K | $675.0K | $543.0K | |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | $15.5M | $16.3M | $20.2M | $12.7M | $21.5M |
| Provision For Loan Lease And Other Losses | $148.0K | $165.0K | $99.0K | $61.0K | |
| Interest And Fee Income Loans And Leases | $5.8M | $4.7M | $3.8M | $3.3M | |
| Retained Earnings Accumulated Deficit | $27.4M | $25.7M | $24.8M | $23.8M | |
| Property Plant And Equipment Net | $2.0M | $2.1M | $2.0M | $2.2M | |
| Other Assets | $551.0K | $685.0K | $880.0K | $763.0K | |
| Liabilities And Stockholders Equity | $206.9M | $197.6M | $193.5M | $174.1M | |
| Liabilities | $167.9M | $161.0M | $157.5M | $154.0M | |
| Interest Receivable | $757.0K | $733.0K | $689.0K | $592.0K | |
| Interest Payable And Other Liabilities | $348.0K | $557.0K | $595.0K | $601.0K | |
| Equity Securities Fv Ni Current And Noncurrent | $408.0K | $325.0K | $115.0K | $88.0K | |
| Deferred Compensation Liability Current | $691.0K | $645.0K | $521.0K | $687.0K | |
| Cash Surrender Value Of Life Insurance | $4.1M | $4.0M | $3.9M | $3.8M | |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | -$762.0K | -$3.9M | $7.6M | -$8.9M | |
| Cash And Due From Banks | $15.5M | $16.3M | $20.2M | $12.7M | |
| Assets | $206.9M | $197.6M | $193.5M | $174.1M | |
| Accumulated Other Comprehensive Income Loss Net Of Tax | -$1.4M | -$3.3M | -$3.2M | -$3.7M | |
| Accretion Amortization Of Discounts And Premiums Investments | -$11.0K | -$173.0K | -$450.0K | -$913.0K |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stockholders Equity | $38.3M | $37.8M | $37.4M | $38.1M | $36.4M | $35.9M | $19.9M | $20.3M | $20.4M | $19.3M | $19.8M | $21.5M |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | $847.0K | $813.0K | $745.0K | $859.0K | $693.0K | $706.0K | $651.0K | $587.0K | $603.0K | |||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | $9.1M | $14.5M | $18.8M | $14.5M | $18.2M | $18.2M | $35.8M | $23.1M | $17.8M | $12.4M | $13.4M | |
| Provision For Loan Lease And Other Losses | $40.0K | $57.0K | $56.0K | $113.0K | $7.0K | $26.0K | $71.0K | $7.0K | $5.0K | $65.0K | -$31.0K | |
| Interest And Fee Income Loans And Leases | $1.5M | $1.4M | $1.3M | $1.2M | $1.1M | $1.1M | $963.0K | $911.0K | $860.0K | $833.0K | $809.0K | |
| Retained Earnings Accumulated Deficit | $26.8M | $26.4M | $26.0M | $25.6M | $25.3M | $25.1M | $24.5M | $24.2M | ||||
| Property Plant And Equipment Net | $2.0M | $2.0M | $2.1M | $2.1M | $2.1M | $2.1M | $2.1M | $2.1M | ||||
| Other Assets | $615.0K | $647.0K | $625.0K | $758.0K | $750.0K | $741.0K | $2.2M | $1.5M | ||||
| Liabilities And Stockholders Equity | $202.9M | $207.9M | $205.0M | $198.4M | $198.5M | $197.2M | $201.9M | $184.7M | ||||
| Liabilities | $164.6M | $170.1M | $167.6M | $160.6M | $162.5M | $161.7M | $182.0M | $164.4M | ||||
| Interest Receivable | $755.0K | $778.0K | $712.0K | $736.0K | $719.0K | $676.0K | $511.0K | $570.0K | ||||
| Interest Payable And Other Liabilities | $580.0K | $581.0K | $615.0K | $791.0K | $877.0K | $629.0K | $677.0K | $552.0K | ||||
| Equity Securities Fv Ni Current And Noncurrent | $436.0K | $351.0K | $324.0K | $153.0K | $170.0K | $138.0K | $100.0K | $99.0K | ||||
| Deferred Compensation Liability Current | $669.0K | $646.0K | $624.0K | $987.0K | $936.0K | $941.0K | $890.0K | $872.0K | ||||
| Cash Surrender Value Of Life Insurance | $4.1M | $4.0M | $4.0M | $4.0M | $3.9M | $3.9M | $3.9M | $3.8M | ||||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | $2.5M | -$2.0M | $5.2M | |||||||||
| Cash And Due From Banks | $9.1M | $14.5M | $18.8M | $14.5M | $18.2M | $18.2M | $35.8M | $23.1M | ||||
| Assets | $202.9M | $207.9M | $205.0M | $198.4M | $198.5M | $197.2M | $201.9M | $184.7M | ||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -$1.7M | -$2.3M | -$2.7M | -$1.8M | -$3.3M | -$3.5M | -$4.6M | -$3.9M | ||||
| Accretion Amortization Of Discounts And Premiums Investments | -$14.0K | -$62.0K | -$121.0K |
Cash Flow Statement
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | $9.4M | $8.3M | $6.9M | $13.3M |
| Payments To Acquire Property Plant And Equipment | $21.0K | $219.0K | $44.0K | $136.0K |
| Payments For Proceeds From Loans Receivable | $12.7M | $5.7M | $5.9M | $4.1M |
| Net Cash Provided By Used In Operating Activities | $2.1M | $1.4M | $1.9M | $2.2M |
| Net Cash Provided By Used In Investing Activities | -$8.5M | -$8.7M | -$11.7M | -$2.9M |
| Net Cash Provided By Used In Financing Activities | $5.6M | $3.4M | $17.3M | -$8.2M |
| Increase Decrease In Other Assets And Income Taxes Receivable | -$180.0K | -$241.0K | $19.0K | -$185.0K |
| Increase Decrease In Interest Payable And Other Liabilities | $2.0K | $7.0K | $485.0K | $84.0K |
| Increase Decrease In Equity Securities Fv Ni | $83.0K | $210.0K | $27.0K | -$24.0K |
| Increase Decrease In Deposits | $420.0K | -$5.5M | -$7.9M | -$4.6M |
| Increase Decrease In Certificate Of Deposits | $6.5M | $8.9M | $11.3M | $1.4M |
| Increase Decrease In Accrued Interest Receivable Net | $24.0K | $44.0K | $97.0K | $26.0K |
| Accumulated Depreciation Depletion And Amortization Property Plant And Equipment | $2.9M | $2.8M | $2.7M | $2.6M |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | $2.0M | $774.0K | $1.3M | $882.0K |
| Share Based Compensation | $93.0K |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | $2.3M | $1.7M | $2.0M | ||||||
| Payments To Acquire Property Plant And Equipment | $15.0K | $68.0K | $11.0K | ||||||
| Payments For Proceeds From Loans Receivable | $3.3M | $536.0K | -$1.1M | ||||||
| Net Cash Provided By Used In Operating Activities | $568.0K | $483.0K | $20.0K | ||||||
| Net Cash Provided By Used In Investing Activities | -$4.3M | -$6.3M | $385.0K | ||||||
| Net Cash Provided By Used In Financing Activities | $6.3M | $3.8M | $4.8M | ||||||
| Increase Decrease In Other Assets And Income Taxes Receivable | -$60.0K | -$139.0K | $326.0K | ||||||
| Increase Decrease In Interest Payable And Other Liabilities | $104.0K | -$29.0K | -$97.0K | ||||||
| Increase Decrease In Equity Securities Fv Ni | -$1.0K | $23.0K | $1.0K | ||||||
| Increase Decrease In Deposits | $3.8M | -$13.0K | $3.4M | ||||||
| Increase Decrease In Certificate Of Deposits | $2.7M | $3.8M | $1.4M | ||||||
| Increase Decrease In Accrued Interest Receivable Net | -$21.0K | -$13.0K | -$63.0K | ||||||
| Accumulated Depreciation Depletion And Amortization Property Plant And Equipment | $2.9M | $2.9M | $2.8M | $2.8M | $2.7M | $2.8M | $2.7M | $2.7M | |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | $246.0K | $1.0K | |||||||
| Share Based Compensation |
Per-Share & Share Counts
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| Weighted Average Number Of Shares Outstanding Basic | 1.5M | 1.6M | 1.6M |
| Weighted Average Number Of Diluted Shares Outstanding | 1.5M | 1.6M | 1.6M |
| Earnings Per Share Diluted | $1.09 | $0.57 | $0.63 |
| Earnings Per Share Basic | $1.10 | $0.57 | $0.63 |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|
| Weighted Average Number Of Shares Outstanding Basic | 1.5M | 1.6M | 1.6M | 1.6M | 1.6M | 1.6M |
| Weighted Average Number Of Diluted Shares Outstanding | 1.5M | 1.6M | 1.6M | 1.6M | 1.6M | 1.6M |
| Earnings Per Share Diluted | $0.28 | $0.28 | $0.18 | $0.15 | $0.17 | $0.17 |
| Earnings Per Share Basic | $0.28 | $0.28 | $0.18 | $0.15 | $0.17 | $0.17 |
Other Metrics
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Supplies Expense | $70.0K | $67.0K | $68.0K | $69.0K |
| Professional Fees | $398.0K | $383.0K | $243.0K | $152.0K |
| Other Noninterest Expense | $182.0K | $575.0K | $162.0K | $158.0K |
| Other Interest And Dividend Income | $855.0K | $1.1M | $1.2M | $217.0K |
| Occupancy Net | $327.0K | $279.0K | $255.0K | $244.0K |
| Noninterest Income Other | $383.0K | $340.0K | $162.0K | $116.0K |
| Noninterest Income | $928.0K | $885.0K | $670.0K | $509.0K |
| Noninterest Expense | $4.3M | $4.6M | $4.0M | $3.6M |
| Marketing Expense | $145.0K | $142.0K | $144.0K | $129.0K |
| Labor And Related Expense | $2.5M | $2.3M | $2.3M | $2.0M |
| Interest Income Securities Taxable | $1.7M | $1.6M | $1.0M | $768.0K |
| Interest Income Securities Tax Exempt | $532.0K | $549.0K | $501.0K | $499.0K |
| Interest And Dividend Income Operating | $8.9M | $8.0M | $6.6M | $4.8M |
| Information Technology And Data Processing | $453.0K | $545.0K | $539.0K | $573.0K |
| Federal Deposit Insurance Corporation Premium Expense | $156.0K | $171.0K | $141.0K | $140.0K |
| Dividend Income Operating | $19.0K | $21.0K | $19.0K | $13.0K |
| Depreciation | $130.0K | $151.0K | $150.0K | $145.0K |
| Contractually Specified Servicing Fees Amount | $58.0K | $65.0K | $71.0K | $78.0K |
| Employee Stock Ownership Plan ESOP Compensation Expense | $65.0K | $53.0K | $49.0K | $0.00 |
| Servicing Asset At Fair Value Amount | $208.0K | $254.0K | $300.0K | $315.0K |
| Time Deposits | $75.0M | $68.6M | $59.7M | $48.3M |
| Interest Paid Net | $3.3M | $3.0M | $1.9M | $624.0K |
| Federal Home Loan Bank Stock | $354.0K | $347.0K | $347.0K | $347.0K |
| Deposits Savings Deposits | $72.7M | $73.1M | $75.7M | $87.1M |
| Deposits | $166.5M | $159.6M | $156.2M | $152.7M |
| Demand Deposit Accounts | $18.8M | $18.0M | $20.8M | $17.2M |
| Bank Owned Life Insurance Income | $107.0K | $102.0K | $94.0K | $87.0K |
| Gain Loss On Sales Of Loans Net | $6.0K | $7.0K | -$7.0K | $140.0K |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Supplies Expense | $15.0K | $29.0K | $12.0K | $19.0K | $17.0K | $14.0K | $17.0K | $16.0K | $22.0K | $16.0K | $18.0K |
| Professional Fees | $125.0K | $111.0K | $88.0K | $86.0K | $116.0K | $90.0K | $34.0K | $34.0K | $75.0K | $25.0K | $25.0K |
| Other Noninterest Expense | $32.0K | $34.0K | $34.0K | $25.0K | $37.0K | $35.0K | $27.0K | $29.0K | $53.0K | $35.0K | $40.0K |
| Other Interest And Dividend Income | $176.0K | $254.0K | $248.0K | $258.0K | $324.0K | $314.0K | $345.0K | $294.0K | $171.0K | $70.0K | $37.0K |
| Occupancy Net | $72.0K | $73.0K | $89.0K | $70.0K | $60.0K | $81.0K | $64.0K | $57.0K | $74.0K | $60.0K | $55.0K |
| Noninterest Income Other | $116.0K | $59.0K | $31.0K | $30.0K | $54.0K | $48.0K | $49.0K | $35.0K | $30.0K | $24.0K | $31.0K |
| Noninterest Income | $257.0K | $199.0K | $152.0K | $168.0K | $182.0K | $186.0K | $183.0K | $157.0K | $149.0K | $152.0K | $152.0K |
| Noninterest Expense | $1.1M | $1.0M | $1.0M | $1.0M | $1.1M | $1.1M | $903.0K | $1.0M | $984.0K | $845.0K | $844.0K |
| Marketing Expense | $38.0K | $47.0K | $37.0K | $37.0K | $47.0K | $36.0K | $37.0K | $50.0K | $36.0K | $33.0K | $39.0K |
| Labor And Related Expense | $639.0K | $562.0K | $555.0K | $594.0K | $528.0K | $588.0K | $510.0K | $653.0K | $520.0K | $482.0K | $477.0K |
| Interest Income Securities Taxable | $444.0K | $449.0K | $415.0K | $408.0K | $397.0K | $350.0K | $241.0K | $251.0K | $256.0K | $220.0K | $141.0K |
| Interest Income Securities Tax Exempt | $133.0K | $134.0K | $134.0K | $137.0K | $138.0K | $139.0K | $124.0K | $124.0K | $124.0K | $133.0K | $123.0K |
| Interest And Dividend Income Operating | $2.3M | $2.3M | $2.1M | $2.0M | $2.0M | $1.9M | $1.7M | $1.6M | $1.4M | $1.3M | $1.1M |
| Information Technology And Data Processing | $104.0K | $106.0K | $146.0K | $114.0K | $179.0K | $139.0K | $137.0K | $133.0K | $131.0K | $124.0K | $119.0K |
| Federal Deposit Insurance Corporation Premium Expense | $55.0K | $40.0K | $40.0K | $54.0K | $38.0K | $37.0K | $36.0K | $32.0K | $35.0K | $34.0K | $35.0K |
| Dividend Income Operating | $4.0K | $4.0K | $7.0K | $5.0K | $5.0K | $7.0K | $5.0K | $3.0K | $6.0K | $3.0K | $3.0K |
| Depreciation | $32.0K | $33.0K | $34.0K | $37.0K | $41.0K | $40.0K | $38.0K | $38.0K | $37.0K | $36.0K | $36.0K |
| Contractually Specified Servicing Fees Amount | $14.0K | $15.0K | $15.0K | $16.0K | $16.0K | $17.0K | $19.0K | $18.0K | $19.0K | $20.0K | $20.0K |
| Employee Stock Ownership Plan ESOP Compensation Expense | $17.0K | $13.0K | $15.0K | $14.0K | $12.0K | $13.0K | |||||
| Servicing Asset At Fair Value Amount | $254.0K | $254.0K | $254.0K | $300.0K | $300.0K | $300.0K | $315.0K | $315.0K | |||
| Time Deposits | $73.9M | $73.0M | $71.2M | $65.6M | $64.3M | $63.5M | $63.4M | $59.7M | |||
| Interest Paid Net | $809.0K | $648.0K | $335.0K | ||||||||
| Federal Home Loan Bank Stock | $354.0K | $354.0K | $347.0K | $347.0K | $347.0K | $347.0K | $347.0K | $347.0K | |||
| Deposits Savings Deposits | $77.4M | $83.3M | $74.9M | $74.2M | $77.6M | $78.4M | $76.6M | $83.7M | |||
| Deposits | $163.1M | $168.7M | $166.1M | $158.6M | $160.6M | $160.0M | $180.3M | $162.8M | |||
| Demand Deposit Accounts | $11.7M | $12.4M | $20.0M | $18.8M | $18.6M | $18.1M | $40.4M | $19.5M | |||
| Bank Owned Life Insurance Income | $26.0K | $24.0K | $23.0K | ||||||||
| Gain Loss On Sales Of Loans Net | $2.0K | $2.0K | $2.0K |
Most recent annual filing with the SEC: March 25, 2026
Data sourced from SEC EDGAR public filings as of August 6, 2026.