Secure Trust Bank PLC (LON:STB)

Secure Trust Bank Balance Sheet

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	564.9	469	400.3	416.9	306.7
Investment Securities	1	-	-	-	-
Trading Asset Securities	7.5	7.5	21.6	2.9	0.3
Total Investments	8.5	7.5	21.6	2.9	0.3
Gross Loans	3,480	3,935	3,585	3,150	2,704
Allowance for Loan Losses	-45.5	-111.8	-88.1	-78	-67.5
Other Adjustments to Gross Loans	-138.5	-215.1	-182	-152	-105.7
Net Loans	3,296	3,609	3,315	2,920	2,531
Property, Plant & Equipment	11.8	11.5	12.6	11.2	11.5
Goodwill	1	1	1	1	1
Other Intangible Assets	4.1	4	4.9	5.6	5.9
Investments in Real Estate	24.1	-	-	-	4.7
Other Receivables	4.3	2.2	2.5	1.7	1.2
Restricted Cash	-	-	5	3.7	4.3
Other Current Assets	397.3	6.1	6.1	7	8
Long-Term Deferred Tax Assets	3.6	3.3	4.3	5.6	6.9
Other Long-Term Assets	0.6	3.6	4.4	4.7	4.8
Total Assets	4,316	4,117	3,778	3,380	2,886
Accrued Expenses	11	9.4	11.8	10	13
Interest Bearing Deposits	2,739	2,440	2,351	2,337	2,002
Non-Interest Bearing Deposits	770.2	805.2	521.3	178.1	101.7
Total Deposits	3,510	3,245	2,872	2,515	2,103
Short-Term Borrowings	4.8	6.6	20.6	3.7	0.9
Current Portion of Leases	1.1	1.1	0.9	0.7	0.8
Current Income Taxes Payable	-	-	-	0.8	-
Other Current Liabilities	-	-	-	-	3.3
Long-Term Debt	299.4	459.1	495.1	451.6	441.7
Long-Term Leases	3.3	0.7	1.4	1.4	2.3
Other Long-Term Liabilities	112.5	34.4	31.9	70.6	18.3
Total Liabilities	3,942	3,756	3,434	3,053	2,584
Common Stock	7.6	7.6	7.6	7.5	7.5
Additional Paid-In Capital	84.2	84	83.8	82.2	82.2
Retained Earnings	284.4	271.1	254.8	237.8	211.7
Treasury Stock	-1.9	-2.2	-1.4	-0.3	-
Comprehensive Income & Other	-	-	-0.3	-0.8	1
Shareholders' Equity	374.3	360.5	344.5	326.4	302.4
Total Liabilities & Equity	4,316	4,117	3,778	3,380	2,886
Total Debt	308.6	467.5	518	457.4	445.7
Net Cash (Debt)	263.8	9	-96.1	-37.6	-138.7
Net Cash Growth	2831.11%	-	-	-	-
Net Cash Per Share	13.34	0.46	-4.99	-1.95	-7.28
Filing Date Shares Outstanding	19.1	19.07	19.02	18.69	18.65
Total Common Shares Outstanding	19.1	19.07	19.02	18.69	18.65
Book Value Per Share	19.60	18.90	18.11	17.46	16.22
Tangible Book Value	369.2	355.5	338.6	319.8	295.5
Tangible Book Value Per Share	19.33	18.64	17.80	17.11	15.85

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