PFS Bancorp Q2 net income slips 0.2% to $437,000; net interest income rises 9.7% to $1.6 million

• PFS Bancorp posted Q2 net income of $437,000, down 0.2% from a year earlier.
• Net interest income rose 9.7% to $1.6 million, as net interest margin widened 26 basis points to 3.17%.
• Provision for credit losses fell to $25,000 from $57,000; allowance for credit losses was $860,000, or 0.77% of total loans.
• Noninterest expense climbed 19.3% to $1.2 million, driven mainly by higher salaries and benefits tied to stock incentive plan costs.
• At June 30, total assets were $208 million, up 0.5% from Dec. 31; deposits increased 0.6% to $167.5 million.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. PFS Bancorp Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001104659-26-091021), on August 05, 2026, and is solely responsible for the information contained therein.