Financial Statements — BVFL
Balance Sheet
(in millions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 |
|---|
| Cash & Equivalents | 74.58 | 63.55 | 56.32 | 70.82 | 94.07 | 90.64 | 78.84 | 114.46 | 110.27 | 64.61 |
| Net Loans & Leases | 729.21 | 737.88 | 742.41 | 741.29 | 685.23 | 693.83 | 700.23 | 698.88 | 694.82 | 672.80 |
| Total Assets | 910.86 | 909.39 | 908.33 | 921.94 | 892.71 | 897.16 | 892.55 | 931.38 | 920.84 | 857.53 |
| Total Deposits | 673.51 | 663.79 | 658.89 | 657.90 | 634.31 | 640.30 | 639.49 | 646.48 | 670.06 | 666.99 |
| Long-term Debt | -- | 35.00 | 34.96 | 49.92 | 34.85 | 34.81 | 34.77 | 74.70 | 74.65 | 74.59 |
| Total Liabilities | 727.22 | 719.18 | 710.34 | 723.87 | 682.98 | 691.69 | 690.79 | 736.30 | 816.36 | 756.87 |
| Retained Earnings | 124.08 | 118.19 | 114.46 | 111.59 | 107.54 | 103.75 | 100.35 | 94.76 | 91.08 | 87.18 |
| Total Stockholder Equity | 183.64 | 190.21 | 197.99 | 198.07 | 209.73 | 205.47 | 201.75 | 195.08 | 104.48 | 100.65 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 |
|---|
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | 2.71 | 3.04 | 2.56 | 2.84 | 2.30 | 1.49 |
| Net Interest Income | 9.11 | 9.75 | 9.35 | 9.16 | 8.64 | 9.01 | 9.30 | 8.91 | 7.96 | 8.92 | 8.88 | 8.24 | 8.20 |
| Provision for Credit Losses | (0.06) | (1.78) | (0.98) | 0.24 | 0.35 | 0.49 | (0.68) | (0.03) | (0.13) | 0.36 | (0.26) | (0.06) | 0.01 |
| Non-interest Income | 0.53 | 0.79 | 0.68 | 0.71 | 0.53 | 0.64 | 0.70 | 0.60 | 0.58 | 0.70 | 0.88 | 1.37 | 0.81 |
| Non-interest Expense | 7.60 | 5.38 | 5.88 | 5.76 | 6.18 | 6.21 | 5.47 | 4.90 | 4.92 | 5.16 | 5.01 | 4.54 | 4.70 |
| Pretax Income | 2.05 | 7.06 | 5.17 | 3.94 | 2.70 | 2.85 | 5.24 | 4.72 | 3.60 | 4.02 | 5.08 | 5.21 | 4.31 |
| Tax Provision | 0.96 | 2.25 | 1.44 | 1.08 | 0.60 | 0.90 | 1.44 | 1.32 | 1.03 | 1.01 | 1.40 | 1.31 | 1.19 |
| Net Income | 1.09 | 4.81 | 3.73 | 2.86 | 2.10 | 1.95 | 3.80 | 3.40 | 2.57 | 3.01 | 3.68 | 3.90 | 3.12 |
| Basic EPS | 0.13 | 0.53 | 0.41 | 0.29 | 0.21 | 0.19 | 0.35 | 0.32 | 0.24 | 0.18 | 0.35 | 0.52 | 0.42 |
| Diluted EPS | 0.13 | 0.52 | 0.41 | 0.29 | 0.21 | 0.18 | 0.35 | 0.32 | 0.24 | 0.18 | 0.35 | 0.52 | 0.42 |
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 |
|---|
| Operating Cash Flow | 3.69 | 3.44 | 8.44 | 2.71 | 4.43 | 3.93 | 6.06 | 1.50 | 4.57 | 3.50 | (49.29) | 57.38 | 3.61 |
| Capital Expenditures | 0.01 | (0.13) | 0.01 | 0.14 | 0.22 | 0.02 | 0.10 | 0.06 | 0.44 | 0.04 | (0.01) | 0.13 | 0.05 |
| Free Cash Flow* | 3.68 | 3.57 | 8.42 | 2.57 | 4.22 | 3.92 | 5.96 | 1.45 | 4.13 | 3.46 | (49.27) | 57.25 | 3.56 |
| Investing Cash Flow | 19.73 | (9.02) | 6.25 | (0.52) | (10.00) | (43.82) | 5.97 | 8.64 | (3.28) | 5.77 | (6.43) | (17.21) | (17.31) |
| Financing Cash Flow | (4.54) | (2.26) | (7.46) | (16.69) | 5.89 | 16.33 | (8.61) | 1.67 | 3.81 | (49.98) | 59.91 | 5.49 | 9.65 |
* Derived from reported values
