First Seacoast Bancorp FSEA Effective Income Tax Rate Reconciliation Life Insurance Income

Effective Income Tax Rate Reconciliation Life Insurance Income at other companies

Columbia Financial, Inc.CLBK

2.5%+1.4pp

Citizens Financial Services, Inc.CZFS

0.7%-0.3pp

Columbia Financial, Inc.CLBK

$429.75K+35.9%

Auburn National BancorporationAUBN

0.9%-0.1pp

Citizens Financial Services, Inc.CZFS

0.7%-0.3pp

SPF

South Plains Financial, Inc.SPFI

0.5%0.0pp

Other financials

Income statement

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Revenue$3.9M+11.2%

Net income-$508.0K+15.8%

EPS (diluted)-$0.12+14.3%

Balance sheet

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Total debt$7.7M+8.2%

Total equity$62.6M+2.3%

Total assets$588.8M-0.6%

Cash flow

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Operating cash flow$547.0K-4.5%

CapEx$346.0K+1,016%

Free cash flow$201.0K-62.9%

Valuation

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Market cap$79.1M+49.1%

P/S5×+1.2×

Profitability

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Net margin-4.7%-5.0pp

FCF margin-18.3%—

Returns & leverage

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Return on equity-1.2%-1.3pp

Debt / equity0.1×0.0×

Where this comes from

Reported directly by First Seacoast Bancorp in its filing.

Tagged under the XBRL concept fsea:EffectiveIncomeTaxRateReconciliationLifeInsuranceIncome.

The official record: First Seacoast Bancorp’s 10-K, filed March 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Seacoast Bancorp's effective income tax rate reconciliation life insurance income?: First Seacoast Bancorp (FSEA) reported effective income tax rate reconciliation life insurance income of 1.5% in Q4 2025.
What does effective income tax rate reconciliation life insurance income mean?: The percentage point impact of tax-exempt life insurance income on the company's overall effective tax rate. It measures the contribution of BOLI earnings to tax efficiency.