VWF Bancorp, Inc. Financial Summary

Complete Filing Data

VWF Bancorp, Inc. reported Stockholders Equity of $23.37 million for FY2022.

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 VWF 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 YearFY2024FY2023FY2022FY2021
Net Income *-$2.0M-$545.4K-$9.1K$257.8K
Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent$473.8K-$756.6K-$2.0M-$159.5K
Interest Income Expense Net$5.3M$4.3M$2.9M$2.7M
Interest Income Expense After Provision For Loan Loss$4.7M$4.2M$2.9M$2.7M
Interest Expense Deposits$5.1M$755.1K$324.6K$452.9K
Income Tax Expense Benefit-$550.0K-$182.7K-$31.3K$35.2K
Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest-$2.6M-$728.1K-$40.5K$293.0K
Comprehensive Income Net Of Tax-$1.5M-$1.3M-$2.0M$98.2K
Other Comprehensive Income Availableforsale Securities Adjustment Before Tax Portion Attributable To Parent$682.0K-$1.0M-$2.8M-$201.9K
Other Comprehensive Income Availableforsale Securities Tax Portion Attributable To Parent-$201.2K-$536.9K-$42.4K
Interest Expense$780.3K$324.6K$452.9K
Deferred Income Tax Expense Benefit-$554.6K-$175.9K-$37.0K-$17.2K
Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances$1.7M$25.2K

Quarterly (10-Q, single quarters)

Metric \ QuarterQ1 2025Q4 2024Q3 2024Q1 2024Q4 2023Q3 2023Q1 2023Q4 2022Q3 2022Q1 2022Q4 2021Q3 2021Q1 2021
Net Income *-$385.9K-$2.3M-$632.7K-$618.6K-$299.3K-$438.9K$90.0K-$492.8K$154.8K$59.7K-$171.7K$63.9K$68.0K
Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent-$235.3K$1.2M$771.7K$323.0K$538.7K-$482.0K$444.5K$285.5K-$864.6K-$1.2M$2.7K-$38.5K-$277.2K
Interest Income Expense Net$2.0M$1.9M$1.6M$1.4M$1.3M$1.1M$1.1M$1.1M$950.0K$710.1K$701.0K$693.0K$667.1K
Interest Income Expense After Provision For Loan Loss$1.8M$1.6M$1.5M$1.3M$1.2M$955.8K$1.1M$1.1M$950.0K$710.1K$701.0K$693.0K$667.1K
Interest Expense Deposits$2.8M$2.6M$2.1M$1.4M$1.0M$703.3K$160.6K$85.0K$71.2K$74.7K$84.5K$94.5K$102.7K
Income Tax Expense Benefit-$84.3K-$686.7K-$175.2K-$172.1K-$87.4K-$123.7K-$3.4K-$136.6K$26.5K$5.8K-$44.9K$7.4K$9.7K
Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest-$470.1K-$3.0M-$808.0K-$790.7K-$386.7K-$562.5K$86.6K-$629.4K$181.2K$65.5K-$216.6K$71.4K$77.6K
Comprehensive Income Net Of Tax-$621.1K-$1.0M$139.0K-$295.6K$239.3K-$920.9K$534.6K-$207.3K-$709.8K-$1.1M-$169.0K$25.4K-$209.2K
Other Comprehensive Income Availableforsale Securities Adjustment Before Tax Portion Attributable To Parent$976.9K$491.2K$681.9K-$610.2K$562.7K$361.4K-$1.1M-$1.5M$3.5K-$48.7K-$350.9K
Other Comprehensive Income Availableforsale Securities Tax Portion Attributable To Parent$85.9K$143.2K-$128.1K$118.2K$75.9K-$229.8K-$309.9K$728.00-$10.2K-$73.7K
Interest Expense$1.9M$1.6M$996.3K$160.6K$85.0K$71.2K$74.7K$84.5K$94.5K$102.7K
Deferred Income Tax Expense Benefit-$175.2K$123.1K$11.6K-$3.9K
Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances$90.3K$149.7K$395.8K$531.3K$535.9K$293.0K$22.00

Balance Sheet

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2024FY2023FY2022FY2021FY2020
Stockholders Equity$23.4M$25.4M$25.4M
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents$36.7M$11.7M$23.8M
Interest And Fee Income Loans And Leases$4.8M$2.9M$2.7M$2.7M
Retained Earnings Accumulated Deficit$24.9M$25.5M$25.5M
Property Plant And Equipment Net$1.4M$1.4M$1.4M
Other Assets$1.1M$1.5M$134.6K
Liabilities And Stockholders Equity$166.0M$149.6M$127.2M
Liabilities$127.5M$126.2M$101.8M
Interest Receivable$498.8K$219.2K$193.0K
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect$26.1M-$31.2M$25.1M-$12.1M
Cash And Due From Banks$5.5M$36.7M$11.7M
Assets$166.0M$149.6M$127.2M
Amortization Of Debt Discount Premium-$362.6K$51.4K$94.0K$44.8K
Accumulated Other Comprehensive Income Loss Net Of Tax-$2.9M-$2.1M-$75.0K
Accrued Liabilities Current And Noncurrent$650.9K$274.3K$328.8K
Loans And Leases Receivable Allowance$263.4K$222.9K$222.9K
Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
Common Stock Value$19.2K$0.00

Quarterly (10-Q, single quarters)

Metric \ QuarterQ1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q1 2022Q4 2021Q3 2021Q1 2021Q4 2020
Stockholders Equity$35.2M$35.7M$36.8M$36.5M$37.0M$37.9M$37.5M$38.5M$39.4M$38.9M$39.0M$24.1M$25.3M$25.4M$25.3M$25.5M
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents$6.9M$15.7M$4.1M$31.6M$20.5M$6.2M$11.0M$5.5M$24.5M$18.6M$17.4M$22.1M$31.5M$10.5M$22.1M
Interest And Fee Income Loans And Leases$2.2M$2.0M$1.7M$1.2M$1.1M$889.7K$713.6K$724.9K$687.1K$677.9K$682.3K$680.8K$680.4K
Retained Earnings Accumulated Deficit$19.6M$19.9M$22.2M$22.8M$23.5M$24.1M$24.4M$25.2M$25.1M$25.6M$25.4M
Property Plant And Equipment Net$3.0M$3.0M$2.9M$2.3M$2.0M$1.8M$1.5M$1.4M$1.4M$1.4M$1.4M
Other Assets$2.2M$1.9M$1.6M$1.7M$1.5M$1.6M$1.4M$777.6K$714.1K$764.6K$916.6K
Liabilities And Stockholders Equity$372.4M$329.2M$318.7M$311.3M$271.3M$244.2M$214.8M$159.8M$146.9M$145.8M$137.0M
Liabilities$337.2M$293.5M$281.9M$274.7M$234.2M$206.3M$177.3M$120.4M$108.0M$106.9M$112.9M
Interest Receivable$1.2M$1.0M$1.0M$961.9K$897.8K$816.6K$604.0K$366.4K$339.5K$320.8K$232.3K
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect-$27.6M$5.5M-$19.3M-$1.1M
Cash And Due From Banks$6.9M$15.7M$4.1M$31.6M$20.5M$6.2M$11.0M$24.5M$18.6M$17.4M$22.1M
Assets$372.4M$329.2M$318.7M$311.3M$271.3M$244.2M$214.8M$159.8M$146.9M$145.8M$137.0M
Amortization Of Debt Discount Premium-$67.3K-$78.2K$18.8K$28.5K
Accumulated Other Comprehensive Income Loss Net Of Tax-$612.7K-$377.5K-$1.6M-$2.4M-$2.5M-$2.8M-$3.3M-$2.2M-$2.7M-$3.0M-$1.3M
Accrued Liabilities Current And Noncurrent$1.6M$1.6M$2.2M$1.8M$2.0M$1.5M$1.3M$310.1K$1.1M$417.4K$259.6K
Loans And Leases Receivable Allowance$222.9K$222.9K$222.9K$222.9K
Financing Receivable Allowance For Credit Loss Excluding Accrued Interest$1.2M$990.9K$838.6K$773.0K$601.5K$529.5K$439.2K$263.4K$222.9K
Common Stock Value$19.2K$19.2K$19.2K$19.2K$19.2K$19.2K$19.2K$19.2K$19.2K$19.2K

Cash Flow Statement

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2024FY2023FY2022FY2021
Proceeds From Sale Of Available For Sale Securities Debt$3.0M$0.00$9.7M$0.00
Proceeds From Payments For Long Term Loans For Related Parties-$45.8M-$3.5M-$3.3M-$4.9M
Payments To Acquire Available For Sale Securities Debt$114.8M$51.7M$12.7M$24.3M
Net Cash Provided By Used In Operating Activities-$2.0M$317.3K-$537.7K$290.1K
Net Cash Provided By Used In Investing Activities-$115.9M-$48.7M$1.2M-$19.5M
Net Cash Provided By Used In Financing Activities$144.0M$17.2M$24.4M$7.1M
Increase Decrease In Other Operating Capital Net-$769.8K-$1.1M$806.3K-$16.3K
Increase Decrease In Deposits$89.3M$10.0M$9.1M$7.1M
Increase Decrease In Advance Payments By Borrowers For Taxes And Insurance-$491.1K$13.1K$36.4K-$15.1K
Increase Decrease In Accrued Interest Receivable Net$463.0K$279.6K$26.2K-$28.3K
Depreciation Amortization And Accretion Net$175.3K$66.4K$64.1K$70.9K
Payments To Acquire Property Plant And Equipment$990.4K$104.1K$14.6K$41.0K
Proceeds From Sale Of Federal Home Loan Bank Stock$1.6M$616.1K
Proceeds From Maturities Prepayment And Calls Of Available For Sale Securities
Share Based Compensation$246.8K$165.0K

Quarterly (10-Q, single quarters)

Metric \ QuarterQ1 2025Q4 2024Q3 2024Q1 2024Q4 2023Q3 2023Q1 2023Q4 2022Q3 2022Q3 2021
Proceeds From Sale Of Available For Sale Securities Debt$0.00$17.2M$0.00$0.00$0.00$3.0M$0.00$0.00$0.00
Proceeds From Payments For Long Term Loans For Related Parties-$7.7M-$11.3M-$1.4M-$1.6M
Payments To Acquire Available For Sale Securities Debt$34.9M$37.0M$17.3M$2.6M
Net Cash Provided By Used In Operating Activities-$423.9K-$243.0K$1.1M$132.2K
Net Cash Provided By Used In Investing Activities-$34.0M-$43.4M-$17.2M-$1.7M
Net Cash Provided By Used In Financing Activities$6.8M$49.2M-$3.2M$403.3K
Increase Decrease In Other Operating Capital Net-$482.0K-$107.5K-$1.0M-$101.8K
Increase Decrease In Deposits$35.8M$19.5M-$4.0M$538.0K
Increase Decrease In Advance Payments By Borrowers For Taxes And Insurance$312.3K-$157.1K-$141.8K-$134.7K
Increase Decrease In Accrued Interest Receivable Net$63.3K$105.2K$101.6K$47.1K
Depreciation Amortization And Accretion Net$81.6K$19.7K$15.2K$16.4K
Payments To Acquire Property Plant And Equipment$710.5K$116.7K$10.0K
Proceeds From Sale Of Federal Home Loan Bank Stock$1.2M$199.9K$344.2K
Proceeds From Maturities Prepayment And Calls Of Available For Sale Securities$8.2M$2.5M$570.0K$1.8M
Share Based Compensation$71.9K$28.8K

Per-Share & Share Counts

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2024FY2023FY2022
Earnings Per Share Diluted$-1.14$-0.31
Earnings Per Share Basic$-1.14$-0.31
Preferred Stock Shares Issued0.000.00
Preferred Stock Shares Authorized1.0M1.0M
Preferred Stock Par Or Stated Value Per Share$0.01$0.01
Common Stock Shares Authorized14.0M14.0M
Common Stock Par Or Stated Value Per Share$0.01$0.01

Quarterly (10-Q, single quarters)

Metric \ QuarterQ1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q1 2023Q4 2022Q3 2022
Earnings Per Share Diluted$-0.22$-1.29$-0.36$-0.35$-0.17$-0.25$0.05$-0.28$0.10
Earnings Per Share Basic$-0.22$-1.29$-0.36$-0.35$-0.17$-0.25$0.05$-0.28$0.10
Preferred Stock Shares Issued0.000.000.000.000.000.000.000.000.000.00
Preferred Stock Shares Authorized1.0M1.0M1.0M1.0M1.0M1.0M1.0M1.0M1.0M1.0M
Preferred Stock Par Or Stated Value Per Share$0.01$0.01$0.01$0.01$0.01$0.01$0.01$0.01$0.01$0.01
Common Stock Shares Authorized14.0M14.0M14.0M14.0M14.0M14.0M14.0M14.0M14.0M14.0M
Common Stock Par Or Stated Value Per Share$0.01$0.01$0.01$0.01$0.01$0.01$0.01$0.01$0.01$0.01

Other Metrics

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2024FY2023FY2022FY2021
Taxes Excluding Income And Excise Taxes$219.2K$160.0K$147.4K$134.9K
Professional Fees$658.2K$519.6K$210.9K$140.8K
Other Noninterest Expense$947.5K$513.7K$379.3K$327.1K
Occupancy Net$474.6K$284.2K$182.0K$174.7K
Noninterest Income Other$99.8K$96.8K$108.2K$103.1K
Noninterest Income$230.2K$208.2K$216.5K$214.0K
Noninterest Expense Directors Fees$259.7K$158.6K$165.5K$202.7K
Noninterest Expense$7.5M$5.2M$3.1M$2.6M
Labor And Related Expense$3.5M$2.1M$1.5M$1.4M
Interest Income Deposits With Financial Institutions$565.0K$698.1K$120.8K$157.2K
Interest And Dividend Income Securities$6.6M$1.5M$346.4K$206.7K
Interest And Dividend Income Operating$12.0M$5.1M$3.2M$3.1M
Information Technology And Data Processing$558.2K$260.0K$235.9K$204.9K
Federal Deposit Insurance Corporation Premium Expense$142.0K$48.8K$33.6K$25.2K
Bank Owned Life Insurance Income$127.6K$111.4K$108.3K$110.8K
Time Deposits$51.4M$35.2M$38.5M
Interest Paid Net$6.0M$288.5K$324.6K$452.9K
Federal Home Loan Bank Stock$396.8K$1.0M$1.0M
Deposits Savings Deposits$42.0M$48.7M$43.2M
Deposits$120.0M$110.0M$100.9M
Demand Deposit Accounts$26.6M$26.0M$19.2M
Bank Owned Life Insurance$5.2M$5.1M$5.0M
Advance Payments By Borrowers For Taxes And Insurance$628.8K$615.7K$579.3K
Stock Issued During Period Value Employee Stock Ownership Plan$173.6K$106.4K
Provision For Loan Losses Expensed$462.8K$40.5K
Employee Stock Ownership Plan Shares Acquired-1.5M
Additional Paid In Capital$17.9M

Quarterly (10-Q, single quarters)

Metric \ QuarterQ1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q1 2023Q4 2022Q3 2022Q1 2022Q4 2021Q3 2021Q1 2021
Taxes Excluding Income And Excise Taxes$42.9K$68.4K$68.4K$68.4K$41.2K$41.2K$41.2K$38.8K$38.8K$38.8K$34.9K$34.9K$34.9K
Professional Fees$172.2K$171.5K$245.7K$126.2K$219.5K$195.9K$95.5K$180.7K$155.7K$57.8K$34.1K$38.9K$34.3K
Other Noninterest Expense$232.5K$239.1K$330.7K$284.6K$198.0K$254.5K$115.2K$87.5K$85.0K$88.9K$96.4K$81.0K$76.5K
Occupancy Net$186.0K$203.4K$191.1K$91.9K$100.5K$136.4K$111.5K$56.3K$50.6K$50.4K$55.9K$47.9K$50.8K
Noninterest Income Other-$3.8K$91.0K$24.4K$16.2K$23.2K$11.4K$20.8K$24.2K$26.8K$26.8K$27.2K$26.9K$26.8K
Noninterest Income$30.7K$125.7K$59.1K$49.1K$54.3K$41.5K$48.8K$51.7K$54.2K$53.4K$54.6K$54.3K$54.0K
Noninterest Expense Directors Fees$88.2K$87.5K$88.0K$76.7K$46.3K$45.7K$44.0K$35.0K$35.0K$35.0K$43.5K$52.0K$52.0K
Noninterest Expense$2.3M$4.7M$2.4M$2.1M$1.6M$1.6M$1.1M$1.8M$822.9K$698.1K$972.2K$675.9K$643.5K
Labor And Related Expense$1.2M$1.1M$1.1M$932.6K$785.4K$714.8K$500.7K$406.9K$385.5K$357.4K$350.6K$356.3K$337.4K
Interest Income Deposits With Financial Institutions$129.4K$175.2K$122.5K$142.5K$133.3K$145.3K$241.4K$169.5K$139.9K$20.4K$24.9K$28.7K$34.0K
Interest And Dividend Income Securities$2.5M$2.4M$2.3M$1.9M$1.6M$1.0M$349.9K$316.5K$194.2K$86.6K$78.3K$78.1K$55.4K
Interest And Dividend Income Operating$4.9M$4.6M$4.1M$3.3M$2.8M$2.1M$1.3M$1.2M$1.0M$784.8K$785.5K$787.5K$769.8K
Information Technology And Data Processing$168.3K$178.3K$199.4K$131.1K$147.2K$84.3K$67.6K$62.8K$62.3K$61.3K$57.4K$56.8K$50.3K
Federal Deposit Insurance Corporation Premium Expense$118.5K$117.8K$78.3K$29.4K$21.9K$19.0K$9.0K$9.0K$9.9K$8.4K$8.1K$8.2K$7.4K
Bank Owned Life Insurance Income$34.5K$34.8K$34.6K$32.9K$31.2K$30.0K$28.0K$27.4K$27.4K$26.6K$27.4K$27.4K$27.2K
Time Deposits$205.2M$192.9M$155.4M$135.4M$135.0M$96.3M$74.9M$43.8M$33.0M$33.6M$36.0M
Interest Paid Net$2.4M$715.3K$71.9K$94.6K
Federal Home Loan Bank Stock$2.0M$947.1K$1.1M$2.2M$1.9M$1.5M$702.8K$213.0K$668.7K$668.7K$1.0M
Deposits Savings Deposits$55.1M$52.9M$49.3M$47.5M$47.1M$40.8M$38.1M$46.5M$44.9M$45.7M$49.9M
Deposits$303.2M$289.7M$245.1M$209.3M$206.7M$162.9M$139.5M$119.6M$106.1M$106.0M$112.2M
Demand Deposit Accounts$42.9M$43.9M$40.4M$26.5M$24.6M$25.8M$26.5M$29.3M$28.2M$26.7M$26.3M
Bank Owned Life Insurance$5.5M$5.4M$5.4M$5.4M$5.3M$5.3M$5.3M$5.2M$5.2M$5.1M$5.1M
Advance Payments By Borrowers For Taxes And Insurance$570.3K$801.9K$450.0K$137.7K$827.5K$757.9K$471.7K$460.4K$767.8K$473.9K$468.4K
Stock Issued During Period Value Employee Stock Ownership Plan$26.5K$28.8K$29.1K$30.8K$113.8K$106.4K$16.3M
Provision For Loan Losses Expensed$209.1K$152.4K$65.6K$72.0K$90.2K$129.0K
Employee Stock Ownership Plan Shares Acquired-1.3M-1.3M-1.3M-1.3M-1.4M-1.4M-1.5M1.5M1.5M1.5M
Additional Paid In Capital$18.2M$18.1M$18.1M$18.0M$18.0M$17.9M$17.9M$17.9M$17.9M$17.8M

Most recent annual filing with the SEC: September 27, 2024

Data sourced from SEC EDGAR public filings as of August 4, 2026.