---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-049933"
form_type: "8-K"
ticker: null
cik: "0001879103"
company_name: "CFSB Bancorp, Inc. /MA/"
filed_at: "2024-04-29T23:59:59+00:00"
generated_at: "2026-06-03T05:46:46.043148+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# CFSB Bancorp reports Q3 net loss of $40K; net interest margin falls to 1.96%

## Summary
- Net loss of $40,000 ($0.01 diluted EPS) for three months ended March 31, 2024, vs net income of $355,000 ($0.06) a year ago.
- Net interest margin (tax-equiv) decreased 63 bps YoY to 1.96% for Q3; 9-month margin 2.06% vs 2.71%.
- Nine-month net loss of $127,000 ($0.02 diluted) vs net income of $1.3M ($0.21) in prior year.
- Recorded $20,000 reversal of provision for credit losses in Q3; allowance for credit losses at 0.90% of loans.
- Total assets increased $9.1M to $358.1M vs June 30, 2023, driven by $14.8M increase in cash equivalents.

## SEC filing metadata
- accession: 0000950170-24-049933
- form_type: 8-K
- cik: 0001879103
- company_name: CFSB Bancorp, Inc. /MA/
- filed_at: 2024-04-29T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1879103/000095017024049933/0000950170-24-049933-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1879103/000095017024049933/cfsb-20240429.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-049933
- JSON: https://secwatch.observer/filing/0000950170-24-049933.json
- Plain text: https://secwatch.observer/filing/0000950170-24-049933.txt

## Key facts
- Earnings Releases
  CFSB Bancorp, Inc. /MA/ reported three months ended March 31, 2024 results: net income net loss of $40,000, EPS $0.01 per basic and diluted share.
  - Period: three months ended March 31, 2024
  - Net income: net loss of $40,000
  - EPS: $0.01 per basic and diluted share
  - Result: reported results
  source text: a net loss of $40,000, or $0.01 per basic and diluted share, for the three months ended March 31, 2024
  evidence_url: https://www.sec.gov/Archives/edgar/data/1879103/000095017024049933/0000950170-24-049933-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.