AI-generated analysis. Always verify with the original filing.
Mercer Bancorp, Inc. reported a net income of $171K for the first fiscal quarter ended December 31, 2025. The company demonstrated solid interest income generation, totaling $2.3M, primarily driven by loan interest of $2.2M. Net interest income stood at $1.7M after interest expenses of $593K. Noninterest income contributed $115K, partially offset by a $12K loss on investment sales. Operating expenses were tightly controlled at $1.7M, with salaries and employee benefits representing the largest portion at $759K. The balance sheet reflects total assets of $174.2M supported by total deposits of $146.9M and shareholders' equity of $25.0M. Cash flow from operations was positive at $350K, though financing activities used $2.1M, primarily due to share repurchases and debt repayments. The company maintains a strong liquidity position with $4.7M in cash and cash equivalents. No prior period comparative figures were provided in the source data for QoQ analysis.
EPS
$0
net loans
$142.1M
Net Income
$171K
total assets
$174.2M
total deposits
$146.9M
net interest income
$1.7M
operating cash flow
$350K
total interest income
$2.3M
total noninterest income
$115K
cash and cash equivalents
$4.7M
total noninterest expense
$1.7M
total shareholders equity
$25.0M