SB Financial Group 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	71.54	25.93	22.97	27.82	149.51
Investment Securities	1.14	33.53	32.38	35.08	37.77
Trading Asset Securities	-	4.1	3.68	5.56	3.68
Mortgage-Backed Securities	188.63	169.62	188.87	205.84	228.13
Total Investments	189.77	207.25	224.93	246.48	269.58
Gross Loans	1,181	1,047	1,000	962.08	822.71
Allowance for Loan Losses	-16.11	-15.1	-15.79	-13.82	-13.81
Net Loans	1,164	1,032	984.43	948.26	808.91
Property, Plant & Equipment	21.69	20.46	21.38	22.83	23.21
Goodwill	27.16	23.24	23.24	23.24	23.19
Loans Held for Sale	1.76	6.77	2.53	2.07	7.47
Accrued Interest Receivable	5.49	4.91	4.66	4.09	2.92
Other Real Estate Owned & Foreclosed	0.1	-	0.51	0.78	2.1
Other Long-Term Assets	63.38	59.33	58.62	60.08	43.96
Total Assets	1,545	1,380	1,343	1,336	1,331
Interest Bearing Deposits	1,053	897.01	819.11	814.49	861.23
Institutional Deposits	-	23.44	22.38	15.37	4.77
Non-Interest Bearing Deposits	254.06	232.16	228.71	256.8	247.04
Total Deposits	1,307	1,153	1,070	1,087	1,113
Short-Term Borrowings	9.23	14.64	17.06	20.48	19.01
Current Portion of Leases	-	0.28	-	-	-
Accrued Interest Payable	2.46	2.35	2.44	0.77	0.3
Long-Term Debt	19.74	19.69	19.64	19.59	19.55
Federal Home Loan Bank Debt, Long-Term	35	35	83.6	60	5.5
Long-Term Leases	-	1.08	-	-	-
Trust Preferred Securities	10.31	10.31	10.31	10.31	10.31
Other Long-Term Liabilities	20.15	16.06	15.65	19.39	18.22
Total Liabilities	1,404	1,252	1,219	1,217	1,186
Common Stock	61.32	61.32	61.32	61.32	54.46
Additional Paid-In Capital	15.16	15.19	15.12	15.09	14.94
Retained Earnings	126.31	116.19	108.49	101.97	99.72
Treasury Stock	-40.07	-34.96	-30.76	-27.82	-22.35
Comprehensive Income & Other	-21.48	-30.23	-29.83	-32.12	-1.85
Total Common Equity	141.24	127.51	124.34	118.43	144.93
Shareholders' Equity	141.24	127.51	124.34	118.43	144.93
Total Liabilities & Equity	1,545	1,380	1,343	1,336	1,331
Total Debt	74.28	80.99	130.61	110.39	54.36
Net Cash (Debt)	-1.6	-49.4	-102.43	-74.87	101.47
Net Cash Growth	-	-	-	-	-6.07%
Net Cash Per Share	-0.25	-7.40	-14.81	-10.58	13.55
Filing Date Shares Outstanding	6.24	6.53	6.79	7	7.21
Total Common Shares Outstanding	6.24	6.55	6.77	6.94	7.23
Book Value Per Share	22.65	19.47	18.37	17.08	20.05
Tangible Book Value	114.08	104.27	101.1	95.19	121.74
Tangible Book Value Per Share	18.29	15.92	14.94	13.72	16.84

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