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First Seacoast Bancorp FSEA Provision Benefit For Loan Losses

Provision Benefit For Loan Losses at other companies

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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+49.2%
P/S+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:ProvisionBenefitForLoanLosses.

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 provision benefit for loan losses?
First Seacoast Bancorp (FSEA) reported provision benefit for loan losses of -$90K in Q4 2025.
How has First Seacoast Bancorp's provision benefit for loan losses changed year-over-year?
First Seacoast Bancorp's provision benefit for loan losses decreased by 325.0% year-over-year, from $40K to -$90K.
What is the long-term trend for First Seacoast Bancorp's provision benefit for loan losses?
Over 2 years (2021 to 2024), First Seacoast Bancorp's provision benefit for loan losses has grown at a -23.5% compound annual growth rate (CAGR), from $205K to $120K.
What does provision benefit for loan losses mean?
Represents the non-cash adjustment to the allowance for credit losses, reflecting management's assessment of expected future loan defaults. A benefit indicates a reduction in the required reserve, often due to improved credit quality or lower projected losses in the loan portfolio.