BNCCORP 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	115.61	100.82	102.45	73.97	188.06	12.44
Investment Securities	24.79	25.94	43.1	44.85	51.7	51.94
Mortgage-Backed Securities	93.63	103.58	116.68	130.03	157.28	131.78
Total Investments	118.42	129.52	159.77	174.88	208.98	183.72
Gross Loans	732.83	698.72	668.81	616.65	529.79	571.13
Allowance for Loan Losses	-9.31	-9.22	-9.28	-8.83	-9.08	-10.32
Other Adjustments to Gross Loans	-	-	-	-	-	-0.24
Net Loans	723.52	689.5	659.52	607.81	520.71	560.57
Property, Plant & Equipment	10.92	11.51	11.89	13.29	14.64	16.85
Loans Held for Sale	-	-	-	37.76	80.92	250.08
Accrued Interest Receivable	4.44	4.11	4.21	3.31	2.59	4.72
Other Receivables	0.53	0.54	0.49	0.48	0.54	0.49
Other Long-Term Assets	30.03	30.11	29.3	30.57	29.64	42.87
Total Assets	1,003	966.68	968.21	943.32	1,047	1,074
Accrued Expenses	2.09	2.83	4.11	5.48	7.3	13.34
Interest Bearing Deposits	674.91	644.64	632.16	597.45	702.07	660.89
Institutional Deposits	25.6	20.4	20.6	14.9	18	24.6
Non-Interest Bearing Deposits	178.03	172.46	184.44	207.23	186.6	167.67
Total Deposits	878.54	837.5	837.2	819.58	906.67	853.16
Short-Term Borrowings	-	-	-	-	-	6.39
Current Portion of Leases	-	0.35	-	0.64	-	-
Accrued Interest Payable	1.61	1.25	0.94	0.31	0.23	0.56
Other Current Liabilities	0.37	14.3	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	-	30.9
Long-Term Leases	0.67	0.35	1.05	1.02	2.3	2.62
Trust Preferred Securities	15.46	15.46	15.46	15	15	15
Other Long-Term Liabilities	1	0.97	1.03	0.94	0.89	33.94
Total Liabilities	899.74	873.01	859.79	842.98	932.39	955.9
Common Stock	0.04	0.04	0.04	0.04	0.04	0.04
Additional Paid-In Capital	27.15	26.9	26.57	26.4	26.07	25.87
Retained Earnings	85.25	78.67	93.19	87.58	87.38	86.99
Treasury Stock	-2.67	-2.7	-1.53	-1.62	-1.65	-1.85
Comprehensive Income & Other	-6.03	-9.24	-9.85	-12.04	3.15	7.18
Total Common Equity	103.74	93.67	108.42	100.35	114.99	118.23
Shareholders' Equity	103.74	93.67	108.42	100.35	114.99	118.23
Total Liabilities & Equity	1,003	966.68	968.21	943.32	1,047	1,074
Total Debt	16.14	16.16	16.51	16.66	17.3	54.91
Net Cash (Debt)	99.47	84.65	85.94	57.31	170.76	-42.47
Net Cash Growth	87.88%	-1.50%	49.96%	-66.44%	-	-
Net Cash Per Share	28.09	23.85	24.00	16.03	47.84	-11.91
Filing Date Shares Outstanding	3.52	3.52	3.57	3.56	3.55	3.54
Total Common Shares Outstanding	3.52	3.52	3.57	3.56	3.55	3.54
Book Value Per Share	29.44	26.60	30.38	28.19	32.35	33.39
Tangible Book Value	103.74	93.67	108.42	100.35	114.99	118.23
Tangible Book Value Per Share	29.44	26.60	30.38	28.19	32.35	33.39

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