Benchmark Bankshares Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	66.35	62.1	91.72	87.31	263.1	163.04
Investment Securities	97.16	87.39	108.46	170.36	89.58	53.57
Trading Asset Securities	7.68	5.52	5.37	5	5.08	-
Mortgage-Backed Securities	-	15.12	14.63	0.15	0.24	0.37
Total Investments	104.84	108.04	128.45	175.5	94.9	53.94
Gross Loans	1,090	998.75	894.43	817.91	645.64	617.23
Allowance for Loan Losses	-8.48	-7.82	-7	-6.83	-5.9	-5.6
Other Adjustments to Gross Loans	-	-2.3	-2.2	-2	-1.58	-1.8
Net Loans	1,082	988.63	885.23	809.08	638.15	609.83
Property, Plant & Equipment	23.7	23.32	22.23	19.11	17.06	17.04
Other Intangible Assets	0.96	1.17	1.5	1.85	-	-
Loans Held for Sale	0.43	0.45	-	0.17	2.09	1.13
Accrued Interest Receivable	4.38	4.03	3.55	3.25	2.27	2.34
Long-Term Deferred Tax Assets	3.66	3.79	3.21	4.01	1.42	1.48
Other Real Estate Owned & Foreclosed	0.07	0.51	-	-	-	1.16
Other Long-Term Assets	32.96	30.69	25.61	23.82	21.15	20.22
Total Assets	1,319	1,224	1,162	1,125	1,041	870.83
Interest Bearing Deposits	894.69	815.97	792.38	746.16	678.87	588.99
Institutional Deposits	-	23.84	-	18.2	28.64	-
Non-Interest Bearing Deposits	296.63	263.09	261.25	264.83	237.77	194.36
Total Deposits	1,191	1,103	1,054	1,029	945.29	783.35
Current Portion of Leases	-	0.22	-	-	-	-
Accrued Interest Payable	0.86	0.94	0.99	0.19	0.23	0.28
Other Current Liabilities	-	1.97	1.8	1.72	1.58	1.5
Long-Term Debt	-	0.79	1.53	2.7	3.83	4.9
Long-Term Leases	-	0.23	0.42	0.47	0.66	0.36
Pension & Post-Retirement Benefits	3.58	2.8	2.05	1.59	1.37	1.16
Other Long-Term Liabilities	0.08	4.33	3.22	3.16	3.19	2.45
Total Liabilities	1,196	1,114	1,064	1,039	956.14	794
Common Stock	0.93	0.94	0.94	0.95	0.95	0.95
Additional Paid-In Capital	5.97	5.92	5.86	5.81	5.6	5.43
Retained Earnings	120.79	108.7	97.37	86.61	76.81	68.96
Comprehensive Income & Other	-4.5	-6.12	-5.49	-7.71	1.08	1.48
Shareholders' Equity	123.2	109.43	98.69	85.65	84.44	76.82
Total Liabilities & Equity	1,319	1,224	1,162	1,125	1,041	870.83
Total Debt	-	1.23	1.95	3.17	4.48	5.26
Net Cash (Debt)	74.53	66.89	100.63	99.14	269.95	169.75
Net Cash Growth	17.25%	-33.54%	1.51%	-63.28%	59.03%	209.52%
Net Cash Per Share	16.73	14.97	22.31	21.91	59.66	37.93
Filing Date Shares Outstanding	4.45	4.47	4.49	4.52	4.52	4.54
Total Common Shares Outstanding	4.45	4.47	4.49	4.52	4.52	4.54
Book Value Per Share	27.70	24.51	21.96	18.94	18.69	16.92
Tangible Book Value	122.24	108.26	97.2	83.8	84.44	76.82
Tangible Book Value Per Share	27.48	24.24	21.63	18.53	18.69	16.92

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.