ES Bancshares, Inc. Announces Fourth Quarter 2025 Results; Seventh Consecutive Quarter of Growth in Our Book Value per Share

ES Bancshares, Inc. reported a net income of $660,000 for Q4 2025, marking a slight increase from $637,000 in Q3 2025. The book value per share rose to $7.34, reflecting the seventh consecutive quarter of growth. Key metrics include a net interest margin of 2.77% and total assets of $616.3 million, down 3.2% from the previous year. The company successfully reduced retail deposit costs and improved liquidity despite market pressures. Nonperforming assets increased slightly to 0.96% of total assets. Overall, the company ended the year with increased core earnings and a strong capital position.