CB Financial Services, Inc.
For the period ended Dec 31, 2025. Filed Mar 13, 2026.
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FY2025 · Filed Mar 13, 2026
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 for the Years Ended and
| Year Ended December 31, | 2025 | 2024 |
|---|---|---|
| (Dollars in Thousands, Except Per Share and Share Data) | ||
| INTEREST AND DIVIDEND INCOME | ||
| Loans, Including Fees | $62,070 | $59,383 |
| Securities: | ||
| Taxable | 11,520 | 11,533 |
| Tax-Exempt | 561 | — |
| Dividends | 51 | 110 |
| Other Interest and Dividend Income | 1,737 | 5,105 |
| TOTAL INTEREST AND DIVIDEND INCOME | 75,939 | 76,131 |
| INTEREST EXPENSE | ||
| Deposits | 23,445 | 28,441 |
| Short-Term Borrowings | 199 | — |
| Other Borrowings | 1,520 | 1,622 |
| TOTAL INTEREST EXPENSE | 25,164 | 30,063 |
| NET INTEREST AND DIVIDEND INCOME | 50,775 | 46,068 |
| Provision for Credit Losses - Loans | 534 | 379 |
| Provision for Credit Losses - Unfunded Commitments | 55 | 191 |
| NET INTEREST AND DIVIDEND INCOME AFTER NET PROVISION FOR CREDIT LOSSES | 50,186 | 45,498 |
| NONINTEREST INCOME | ||
| Service Fees | 2,180 | 1,680 |
| Insurance Commissions | 4 | 6 |
| Other Commissions | 252 | 251 |
| Net Gain on Sale of Loans | 105 | 52 |
| Net (Loss) Gain on Investment Securities | (11,807) | 51 |
| Net Gain on Purchased Tax Credits | 14 | 49 |
| Gain on Sale of Subsidiary | — | 138 |
| Net Gain on Disposal of Premises and Equipment | 40 | 274 |
| Income from Bank-Owned Life Insurance | 603 | 594 |
| Net Gain on Bank-Owned Life Insurance Claims | — | 915 |
| Other Income | 1,379 | 1,484 |
| TOTAL NONINTEREST INCOME (LOSS) | (7,230) | 5,494 |
| NONINTEREST EXPENSE | ||
| Salaries and Employee Benefits | 22,213 | 18,821 |
| Occupancy | 2,513 | 3,096 |
| Equipment | 1,452 | 1,155 |
| Data Processing | 3,055 | 3,308 |
| Federal Deposit Insurance Corporation Assessment | 724 | 639 |
| Pennsylvania Shares Tax | 948 | 1,161 |
| Contracted Services | 1,543 | 1,623 |
| Legal and Professional Fees | 1,024 | 985 |
| Advertising | 566 | 484 |
| Other Real Estate Owned | 65 | 50 |
| Amortization of Intangible Assets | — | 958 |
| Other Expense | 3,553 | 3,369 |
| TOTAL NONINTEREST EXPENSE | 37,656 | 35,649 |
| INCOME BEFORE INCOME TAX EXPENSE | 5,300 | 15,343 |
| Income Tax Expense | 397 | 2,749 |
| Net Income | $4,903 | $12,594 |
| EARNINGS PER SHARE | ||
| Basic | $0.97 | $2.45 |
| Diluted | 0.92 | 2.38 |
| WEIGHTED AVERAGE SHARES OUTSTANDING | ||
| Basic | 5,036,706 | 5,134,092 |
| Diluted | 5,306,916 | 5,302,522 |
| Year Ended December 31, | 2025 | 2024 |
|---|---|---|
| (Dollars in Thousands) | ||
| Net Income | $4,903 | $12,594 |
| Other Comprehensive Income (Loss) | ||
| Change in Unrealized (Loss) Gain on Available-for-Sale Debt Securities | 5,809 | (555) |
| Income Tax Effect | (1,238) | 67 |
| Reclassification Adjustment for Loss on Sale of Debt Securities Included in Net Income (1) | 11,757 | — |
| Income Tax Effect (2) | (2,505) | — |
| Other Comprehensive Income (Loss), Net of Income Tax Effect | 13,823 | (488) |
| Total Comprehensive Income | $18,726 | $12,106 |
(1)Reported in Net (Loss) Gain on Investment Securities on the Consolidated Statements of Income.
(2)Reported in Income Tax Expense on the Consolidated Statements of Income.
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