Business First Bancshares Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	583.57	516.77	377.24	168.35	295.42
Investment Securities	1,064	427.15	392.4	456.79	480.04
Mortgage-Backed Securities	-	537.74	506.31	451.73	552.34
Total Investments	1,064	964.88	898.71	908.52	1,032
Gross Loans	6,189	5,994	5,005	4,619	3,197
Allowance for Loan Losses	-53.96	-54.84	-40.41	-38.18	-29.11
Other Adjustments to Gross Loans	-	-12.6	-12.6	-13.1	-7.7
Net Loans	6,136	5,927	4,952	4,568	3,160
Property, Plant & Equipment	73.98	81.95	69.48	63.18	58.16
Goodwill	121.15	121.57	88.39	88.54	59.89
Other Intangible Assets	14.5	17.25	11.9	14.04	12.2
Loans Held for Sale	1.09	0.72	0.84	0.3	1.2
Accrued Interest Receivable	38.49	35.87	29.92	25.67	19.6
Long-Term Deferred Tax Assets	20.48	29.59	27.32	31.19	8.82
Other Real Estate Owned & Foreclosed	13.01	5.53	1.69	1.43	1.43
Other Long-Term Assets	148.78	135.79	111.9	101.54	71.49
Total Assets	8,215	7,857	6,585	5,990	4,726
Interest Bearing Deposits	5,377	3,970	3,326	2,991	2,589
Institutional Deposits	-	1,185	623.34	279.78	197.27
Non-Interest Bearing Deposits	1,322	1,357	1,299	1,549	1,291
Total Deposits	6,699	6,511	5,249	4,820	4,077
Short-Term Borrowings	22.62	22.62	318.89	296.27	19.14
Current Portion of Long-Term Debt	-	82.56	-	-	-
Current Portion of Leases	-	5.89	4.43	4.14	2.24
Accrued Interest Payable	4.17	5.97	14.84	2.09	1.35
Long-Term Debt	92.53	99.76	99.99	110.75	81.43
Federal Home Loan Bank Debt, Long-Term	431.2	273.32	211.2	148.1	82.02
Long-Term Leases	-	22.43	19.21	15.04	12.06
Trust Preferred Securities	5	5	5	5	5
Other Long-Term Liabilities	63.75	28.75	17.95	8.25	12.48
Total Liabilities	7,318	7,058	5,940	5,410	4,293
Preferred Stock, Non-Redeemable	71.93	71.93	71.93	71.93	-
Total Preferred Equity	71.93	71.93	71.93	71.93	-
Common Stock	29.51	29.55	25.35	25.11	20.4
Additional Paid-In Capital	502.16	500.02	397.45	393.69	292.27
Retained Earnings	326.57	260.96	216.12	163.96	121.87
Comprehensive Income & Other	-33.29	-63	-66.59	-74.2	-1.18
Total Common Equity	824.95	727.54	572.33	508.55	433.37
Shareholders' Equity	896.88	799.47	644.26	580.48	433.37
Total Liabilities & Equity	8,215	7,857	6,585	5,990	4,726
Total Debt	551.35	511.58	658.71	579.29	201.89
Net Cash (Debt)	57.8	56.02	-281.47	-410.94	93.53
Net Cash Growth	3.17%	-	-	-	-54.23%
Net Cash Per Share	1.96	2.12	-11.13	-18.01	4.53
Filing Date Shares Outstanding	29.51	29.55	25.36	25.11	20.4
Total Common Shares Outstanding	29.51	29.55	25.35	25.11	20.4
Book Value Per Share	27.95	24.62	22.58	20.25	21.24
Tangible Book Value	689.31	588.71	472.04	405.97	361.27
Tangible Book Value Per Share	23.36	19.92	18.62	16.17	17.71

Source: S&P Global Market Intelligence. Banks template. Financial Sources.