PB Bankshares, Inc. (NASDAQ: PBBK), the holding company for Presence Bank, reported unaudited net income of $640,000 for the second quarter of 2025, marking a significant increase from $370,000 for the same period in 2024. For the six months ended June 30, 2025, net income rose to $1.1 million, up from $687,000 for the same period in the previous year, representing a 62.0% increase. The company's diluted earnings per share $(EPS)$ also saw an improvement, reaching $0.27 for the second quarter of 2025 and $0.48 for the first half of 2025, compared to $0.16 and $0.29 for the respective periods in 2024. Net interest income grew by 17.1% to $6.3 million for the first half of 2025, compared to $5.4 million for the same period in 2024. Additionally, the net interest margin improved by 34 basis points to 2.88% for the second quarter of 2025, up from 2.54% in the corresponding period of 2024. On the balance sheet, the bank reported a decrease in accumulated other comprehensive loss, which fell by 98.9% to $12,000 as of June 30, 2025, compared to $1.1 million a year earlier. Noninterest expense increased by 7.6% to $5.4 million for the first half of 2025 from $5.0 million for the same period in 2024. The bank's stand-alone stockholders' equity rose by $1.7 million to $43.9 million as of June 30, 2025, driven primarily by net income for the year to date. Cash and cash equivalents increased substantially by 48.0% to $55.9 million, attributed to maturities of securities and deposit growth. Gross loans also saw an increase, rising by $8.7 million or 2.5% to $358.4 million, primarily due to growth in the commercial real estate portfolio. The bank continues to focus on commercial real estate lending while monitoring associated risks.