Fifth District Bancorp, Inc.
FDSB Nasdaq Savings Institution, Federally Chartered Financials FY2023–FY2025
What Fifth District Bancorp, Inc. does
No business description yet.
- Legal name
- Fifth District Bancorp, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 24, 2026
- Accession · CIK
- 0001104659-26-033945
0002012726
Revenue and margins
Fifth District Bancorp, Inc. had $0.6M of revenue in fiscal 2025, down 2.3% on the year before.
Net income and earnings per share
Loss periods are shown in red.
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
Dividends, buybacks and share count
Fifth District Bancorp, Inc. returned — to shareholders in fiscal 2025. The diluted share count fell 0.2%.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY23 | FY24 | FY25 |
|---|---|---|---|
| Loans, net | $365M | $367M | $376M |
| Deposits | $390M | $391M | $393M |
| Loans / deposits | 93.6% | 93.8% | 95.7% |
| Total assets | $481M | $527M | $534M |
| Shareholders' equity | $77.8M | $126M | $130M |
| Provision / loans | −0.1% | −0.3% | 0.0% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
3 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Income statement | |||
| Revenue | $0.6M | $0.6M | $0.6M |
| Net interest income | $10.0M | $10.1M | $12.8M |
| Noninterest income | $1.0M | $0.0M | $4.4M |
| Noninterest expense | $10.4M | $12.7M | $13.1M |
| Provision for credit losses | −$0.3M | −$1.2M | $0.0M |
| Pretax income | $0.9M | −$1.4M | $4.2M |
| Income tax | $0.1M | −$0.4M | $0.1M |
| Net income | $0.8M | −$1.1M | $4.1M |
| Net income to common | — | −$1.1M | $4.1M |
| Diluted EPS | — | −$0.21 | $0.80 |
| Diluted shares | — | 0.01B | 0.01B |
| Cash flow | |||
| Cash from operations | $0.8M | −$1.1M | $1.3M |
| Capital expenditure | $1.9M | $0.5M | $0.4M |
| Free cash flow | −$1.1M | −$1.6M | $0.9M |
| Depreciation and amortization | $0.5M | $0.7M | $0.7M |
| Stock-based compensation | — | — | $0.1M |
| Balance sheet | |||
| Cash and short-term investments | $19.3M | $37.9M | $33.9M |
| Loans, net | $365M | $367M | $376M |
| Deposits | $390M | $391M | $393M |
| Property and equipment, net | $12.5M | $11.9M | $11.6M |
| Total assets | $481M | $527M | $534M |
| Total liabilities | $403M | $402M | $405M |
| Shareholders' equity | $77.8M | $126M | $130M |
| Margins | |||
| Net margin | 129.8% | −174.2% | 675.7% |
| FCF margin | −181.1% | −252.7% | 155.7% |
| Net interest share of revenue | 1,636.6% | 1,624.6% | 2,123.6% |
| Efficiency ratio | 1,694.0% | 2,053.8% | 2,162.5% |
| Returns | |||
| Return on equity | 1.0% | −1.1% | 3.2% |
| Return on assets | 0.2% | −0.2% | 0.8% |
| Return on tangible equity | 1.0% | −0.9% | 3.2% |
| Growth | |||
| Revenue growth | — | 0.8% | −2.3% |
| Net income growth | — | −235.3% | — |
| Share count change | — | — | −0.2% |
| Financial health | |||
| Loans / deposits | 93.6% | 93.8% | 95.7% |
| Provision / loans | −0.1% | −0.3% | 0.0% |
| Capital allocation | |||
| Capex / revenue | 310.7% | 82.4% | 63.5% |
| Stock comp / revenue | — | — | 11.2% |
| Quality scores | |||
| Accruals ratio | 0.0% | −0.0% | 0.5% |
Source: SEC EDGAR XBRL filings (CIK 0002012726). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.