BEO Bancorp 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	106.79	32.83	64.38	171.39	287.27
Investment Securities	61.76	100.45	126.13	129.81	36.22
Mortgage-Backed Securities	139.7	115.69	112.24	66.29	4.77
Total Investments	201.46	216.15	238.37	196.1	40.99
Gross Loans	620.75	588.29	530.24	495.17	472.97
Allowance for Loan Losses	-6.86	-6.81	-6.03	-5.43	-5.39
Other Adjustments to Gross Loans	-1.27	-1.45	-2.35	-0.93	-1.09
Net Loans	612.62	580.03	521.87	488.81	466.48
Property, Plant & Equipment	9.97	10.39	9.43	9.35	9.85
Other Intangible Assets	0.49	0.64	0.83	1.02	1.21
Accrued Interest Receivable	10.14	9.52	7.98	6.22	4.3
Other Current Assets	0.61	0.65	0.69	0.51	0.62
Long-Term Deferred Tax Assets	2.88	4.17	4.17	3.68	1.52
Other Long-Term Assets	13.09	12.68	12.33	12	8.54
Total Assets	958.58	867.6	860.63	890.1	821.59
Interest Bearing Deposits	586	549.15	553.89	574.05	532.83
Institutional Deposits	12.22	3.03	4.47	5.12	4.26
Non-Interest Bearing Deposits	249.33	218.54	218.03	239.86	216.33
Total Deposits	847.55	770.72	776.39	819.03	753.42
Short-Term Borrowings	-	-	-	-	0.59
Current Portion of Leases	0.16	-	-	-	-
Accrued Interest Payable	0.33	0.31	0.24	0.18	0.1
Long-Term Leases	0.44	0.63	0.62	0.87	1.02
Trust Preferred Securities	7.22	8.19	11.91	14.96	14.96
Pension & Post-Retirement Benefits	2.22	2.07	1.93	1.84	1.76
Other Long-Term Liabilities	4.48	4.83	5.43	3.23	1.82
Total Liabilities	862.4	786.76	796.53	840.11	773.66
Common Stock	3.26	3.21	3.16	3.15	3.15
Additional Paid-In Capital	8.11	6.8	5.52	5.06	5.06
Retained Earnings	90.71	76.96	62.02	49.22	41.84
Treasury Stock	-5.04	-1.48	-1.07	-1.58	-1.58
Comprehensive Income & Other	-0.86	-4.65	-5.52	-5.86	-0.54
Shareholders' Equity	96.18	80.84	64.1	49.99	47.93
Total Liabilities & Equity	958.58	867.6	860.63	890.1	821.59
Total Debt	7.82	8.83	12.53	15.83	16.56
Net Cash (Debt)	98.97	25.23	54.06	157.76	270.7
Net Cash Growth	292.24%	-53.32%	-65.73%	-41.72%	122.83%
Net Cash Per Share	80.70	20.23	43.02	121.03	207.78
Filing Date Shares Outstanding	1.22	1.24	1.23	1.2	1.2
Total Common Shares Outstanding	1.22	1.24	1.23	1.2	1.2
Book Value Per Share	79.05	65.09	52.24	41.51	39.80
Tangible Book Value	95.7	80.2	63.27	48.96	46.72
Tangible Book Value Per Share	78.65	64.57	51.56	40.65	38.79

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