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Fifth District Bancorp (FDSB) investor relations material
Fifth District Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary12 Aug, 2025
Executive summary
Net income for Q2 2025 was $3.1M, up 357.7% year-over-year; six-month net income was $3.2M, reversing a prior year loss.
Strong growth in noninterest income, mainly from a $3.5M gain on bank owned life insurance proceeds.
Total assets increased 2.4% to $539.8M from December 2024, driven by higher loans and investment securities.
Deposits rose 1.7% to $398.2M; stockholders' equity increased 4.1% to $130.9M.
Financial highlights
Net interest income for Q2 2025 rose 38.4% year-over-year to $3.1M; net interest margin improved to 2.54%.
Noninterest income for Q2 2025 was $3.7M, up 825% year-over-year, mainly from insurance proceeds.
Noninterest expense increased 36.4% to $3.8M in Q2, largely due to higher salaries and benefits.
Allowance for credit losses on loans was 0.44% of total loans at June 30, 2025.
Effective tax rate remained at 21%; tax benefit for Q2 was ($91K) due to non-taxable insurance proceeds.
Outlook and guidance
Management anticipates sufficient liquidity to meet funding commitments and expects strong deposit retention.
No significant changes in internal controls or risk management practices reported.
Impact of BOLI proceeds on Q2/YTD income?
Analyze the increase in classified loans.
Assess interest rate risk from rising rates.
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Next Fifth District Bancorp earnings date
Q3 202513 Nov, 2025
Next Fifth District Bancorp earnings date
Q3 202513 Nov, 2025
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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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