CB Financial Services, Inc.
For the period ended Sep 30, 2025. Filed Nov 7, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 7, 2025
CBFV$40.34-2.1%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Statements of Income
CONSOLIDATED STATEMENTS OF INCOME (LOSS) (UNAUDITED)
| Three Months EndedSeptember 30, | Nine Months EndedSeptember 30, | |||
|---|---|---|---|---|
| 2025 | 2024 | 2025 | 2024 | |
| (Dollars in thousands, except share and per share data) | ||||
| INTEREST AND DIVIDEND INCOME | ||||
| Loans, Including Fees | $15,973 | $14,945 | $45,993 | $44,453 |
| Investment Securities: | ||||
| Taxable | 2,848 | 3,289 | 8,485 | 8,437 |
| Tax-Exempt | 146 | — | 146 | — |
| Dividends | 7 | 28 | 44 | 82 |
| Other Interest and Dividend Income | 367 | 1,511 | 1,279 | 3,727 |
| TOTAL INTEREST AND DIVIDEND INCOME | 19,341 | 19,773 | 55,947 | 56,699 |
| INTEREST EXPENSE | ||||
| Deposits | 5,810 | 7,892 | 17,643 | 20,948 |
| Short-Term Borrowings | 68 | — | 199 | — |
| Other Borrowings | 364 | 407 | 1,156 | 1,215 |
| TOTAL INTEREST EXPENSE | 6,242 | 8,299 | 18,998 | 22,163 |
| NET INTEREST AND DIVIDEND INCOME | 13,099 | 11,474 | 36,949 | 34,536 |
| Provision (Recovery) for Credit Losses - Loans | 336 | 25 | 269 | (105) |
| Recovery for Credit Losses - Unfunded Commitments | (77) | (66) | (42) | (9) |
| NET INTEREST AND DIVIDEND INCOME AFTER NET PROVISION (RECOVERY) FOR CREDIT LOSSES | 12,840 | 11,515 | 36,722 | 34,650 |
| NONINTEREST INCOME | ||||
| Service Fees | 574 | 451 | 1,595 | 1,220 |
| Insurance Commissions | 1 | 1 | 3 | 4 |
| Other Commissions | 63 | 104 | 192 | 188 |
| Net Gain on Sale of Loans | 50 | 18 | 99 | 49 |
| Net (Loss) Gain on Investment Securities | (11,752) | 245 | (11,821) | 49 |
| Net Gain on Purchased Tax Credits | 4 | 12 | 11 | 37 |
| Gain on Sale of Subsidiary | — | 138 | — | 138 |
| Net Gain on Disposal of Premises and Equipment | — | — | — | 274 |
| Income from Bank-Owned Life Insurance | 154 | 147 | 451 | 442 |
| Net Gain on Bank-Owned Life Insurance Claims | — | — | — | 915 |
| Other Income | 229 | 117 | 512 | 523 |
| TOTAL NONINTEREST (LOSS) INCOME | (10,677) | 1,233 | (8,958) | 3,839 |
| NONINTEREST EXPENSE | ||||
| Salaries and Employee Benefits | 5,247 | 4,561 | 16,371 | 13,563 |
| Occupancy | 574 | 755 | 1,939 | 2,444 |
| Equipment | 367 | 280 | 1,070 | 842 |
| Data Processing | 708 | 772 | 2,266 | 2,476 |
| Federal Deposit Insurance Corporation Assessment | 173 | 177 | 552 | 467 |
| Pennsylvania Shares Tax | 306 | 265 | 706 | 860 |
| Contracted Services | 371 | 431 | 1,063 | 1,102 |
| Legal and Professional Fees | 411 | 297 | 789 | 717 |
| Advertising | 132 | 141 | 374 | 348 |
| Other Real Estate Owned | 8 | 2 | 9 | 16 |
| Amortization of Intangible Assets | — | 264 | — | 870 |
| Other Expense | 886 | 837 | 2,592 | 2,492 |
| TOTAL NONINTEREST EXPENSE | 9,183 | 8,782 | 27,731 | 26,197 |
| Income (Loss) Before Income Tax (Benefit) Expense | (7,020) | 3,966 | 33 | 12,292 |
| Income Tax (Benefit) Expense | (1,324) | 747 | (131) | 2,227 |
| Net (Loss) Income | $(5,696) | $3,219 | $164 | $10,065 |
| (LOSS) EARNINGS PER SHARE | ||||
| Basic | $(1.14) | $0.63 | $0.03 | $1.96 |
| Diluted | (1.07) | 0.60 | 0.03 | 1.89 |
| WEIGHTED AVERAGE SHARES OUTSTANDING | ||||
| Basic | 4,985,188 | 5,137,586 | 5,044,012 | 5,136,546 |
| Diluted | 5,319,594 | 5,346,750 | 5,357,173 | 5,328,610 |
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