Fifth District Bancorp, Inc. (FDSB) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, Fifth District Bancorp reported revenue of $17.3M, up 71.6% from $10.1M the year before. Net income was $4.1M (a 23.7% net margin), or $0.80 per diluted share. Net interest income was $12.8M, and the efficiency ratio (noninterest expense / revenue) was 75.7%. Operating activities generated $1.3M of cash, leaving $942,000 of free cash flow. At fiscal year end, Fifth District Bancorp held $534.4M in total assets against $404.6M in total liabilities, including $33.9M of cash and equivalents.
Open the full interactive Fifth District Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Fifth District Bancorp Key Stats
| Share Price | $17.12 |
|---|---|
| Market Cap | $83.4M |
| P/E Ratio | 21.4 |
| Revenue YoY Growth | +71.6% |
| 52-Week Range | $13.05 – $18.69 |
| Shares Outstanding | 4.9 million (basic, 2026 Q2) |
Fifth District Bancorp Income Statement
| FY 2024 | FY 2025 | |
|---|---|---|
| Net Interest Income | $10.1M | $12.8M |
| Provision for Credit Losses | -$1.2M | $10,000 |
| Noninterest Income | $11,000 | $4.4M |
| Noninterest Expense | $12.7M | $13.1M |
| Revenue | $10.1M | $17.3M |
| Pre-Tax Income | -$1.4M | $4.2M |
| Income Tax | -$358,000 | $97,000 |
| Net Income | -$1.1M | $4.1M |
| Diluted EPS | -$0.21 | $0.80 |
Fifth District Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $3.6M | $3.6M | $3.8M | $4.0M |
| Net Income | $343,000 | $541,000 | $387,000 | $384,000 |
| Diluted EPS | $0.07 | $0.11 | $0.08 | $0.08 |
Fifth District Bancorp Balance Sheet
| FY 2024 | FY 2025 | |
|---|---|---|
| Cash & Equivalents | $37.9M | $33.9M |
| Loans (Net) | $367.3M | $376.4M |
| Total Assets | $527.3M | $534.4M |
| Deposits | $391.5M | $393.2M |
| Total Liabilities | $401.5M | $404.6M |
| Shareholders' Equity | $125.8M | $129.8M |
Fifth District Bancorp Cash Flow Statement
| FY 2024 | FY 2025 | |
|---|---|---|
| Cash From Operations | -$1.1M | $1.3M |
| Cash From Investing | -$27.5M | -$5.0M |
| Cash From Financing | $47.1M | -$360,000 |
| Free Cash Flow | -$1.6M | $942,000 |
Figures from Fifth District Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Fifth District Bancorp financials page for every line item.
Fifth District Bancorp Company Profile
| Ticker | FDSB |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | New Orleans, Louisiana |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company, emerging growth company |
| SEC CIK | 0002012726 |
Frequently Asked Questions
What was Fifth District Bancorp's revenue in fiscal 2025?
Fifth District Bancorp (FDSB) reported revenue of $17.3M for fiscal 2025.
What was Fifth District Bancorp's net income in fiscal 2025?
Fifth District Bancorp reported net income of $4.1M for fiscal 2025.
What was Fifth District Bancorp's earnings per share (EPS) in fiscal 2025?
Fifth District Bancorp's diluted EPS was $0.80 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Fifth District Bancorp generate in fiscal 2025?
Fifth District Bancorp generated $942,000 of free cash flow in fiscal 2025.
What was Fifth District Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Fifth District Bancorp reported revenue of $4.0M.
How many shares of Fifth District Bancorp are outstanding?
Fifth District Bancorp reported a weighted average of 4.9 million basic shares outstanding in 2026 Q2.
What is Fifth District Bancorp's market cap?
Based on its latest closing price, Fifth District Bancorp (FDSB) has a market capitalization of about $83.4M.
When does Fifth District Bancorp's fiscal year end?
Fifth District Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Fifth District Bancorp headquartered?
Fifth District Bancorp lists its business address in New Orleans, Louisiana in its SEC filings.
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