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Fifth District Bancorp (FDSB) investor relations material
Fifth District Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Nov, 2025
Executive summary
Net income for Q3 2025 was $343,000, up from a loss of $788,000 in Q3 2024, driven by higher interest income and lower non-interest expense.
For the nine months ended September 30, 2025, net income was $3.5 million, compared to a loss of $1.2 million in the prior year period.
Total assets increased 2.3% to $539.5 million since year-end 2024, with growth in loans and investment securities.
Financial highlights
Interest and dividend income rose 9.6% year-over-year in Q3 2025, with loan yields increasing to 4.49%.
Net interest income grew 16.0% to $3.3 million in Q3 2025, with net interest margin up to 2.61%.
Noninterest income for the nine months was $4.2 million, up from a loss of $231,000, mainly due to a $3.5 million gain on bank owned life insurance proceeds.
Noninterest expense decreased 26% in Q3 2025 due to lower charitable contributions and audit costs.
Allowance for credit losses on loans was 0.45% of total loans at September 30, 2025.
Outlook and guidance
Management expects to maintain strong liquidity and capital positions, with sufficient funds to meet current commitments.
Interest rate risk remains a focus, with strategies in place to manage net interest income and economic value of equity under various rate scenarios.
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Next Fifth District Bancorp earnings date
Q4 202525 Mar, 2026
Next Fifth District Bancorp earnings date
Q4 202525 Mar, 2026
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Frequently asked questions
Fifth District Bancorp Inc. is a U.S.-based financial holding company that provides a range of banking and financial services through its subsidiaries. The company offers traditional banking products, including personal and business checking and savings accounts, loans, and credit services to individuals and businesses. Additionally, Fifth District Bancorp provides financial advisory and wealth management services, supporting clients in personal and business financial planning. The company is headquartered in Baton Rouge, Louisiana, and its shares are listed on the OTC.
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