BNCCORP 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	211.45	100.82	102.45	73.97	188.06
Investment Securities	114.67	25.94	43.1	44.85	51.7
Mortgage-Backed Securities	-	103.58	116.68	130.03	157.28
Total Investments	114.67	129.52	159.77	174.88	208.98
Gross Loans	738.7	698.72	668.81	616.65	529.79
Allowance for Loan Losses	-10.32	-9.22	-9.28	-8.83	-9.08
Net Loans	728.38	689.5	659.52	607.81	520.71
Property, Plant & Equipment	10.63	11.51	11.89	13.29	14.64
Loans Held for Sale	-	-	-	37.76	80.92
Accrued Interest Receivable	4.4	4.11	4.21	3.31	2.59
Other Receivables	-	0.54	0.49	0.48	0.54
Other Long-Term Assets	30.67	30.11	29.3	30.57	29.64
Total Assets	1,100	966.68	968.21	943.32	1,047
Accrued Expenses	2.88	2.83	4.11	5.48	7.3
Interest Bearing Deposits	794.18	644.64	632.16	597.45	702.07
Institutional Deposits	-	20.4	20.6	14.9	18
Non-Interest Bearing Deposits	177.62	172.46	184.44	207.23	186.6
Total Deposits	971.8	837.5	837.2	819.58	906.67
Current Portion of Leases	-	0.35	-	0.64	-
Accrued Interest Payable	1.64	1.25	0.94	0.31	0.23
Other Current Liabilities	-	14.3	-	-	-
Long-Term Leases	0.57	0.35	1.05	1.02	2.3
Trust Preferred Securities	15.46	15.46	15.46	15	15
Other Long-Term Liabilities	1.35	0.97	1.03	0.94	0.89
Total Liabilities	993.7	873.01	859.79	842.98	932.39
Common Stock	0.04	0.04	0.04	0.04	0.04
Additional Paid-In Capital	27.23	26.9	26.57	26.4	26.07
Retained Earnings	87.44	78.67	93.19	87.58	87.38
Treasury Stock	-2.75	-2.7	-1.53	-1.62	-1.65
Comprehensive Income & Other	-5.45	-9.24	-9.85	-12.04	3.15
Shareholders' Equity	106.51	93.67	108.42	100.35	114.99
Total Liabilities & Equity	1,100	966.68	968.21	943.32	1,047
Total Debt	16.04	16.16	16.51	16.66	17.3
Net Cash (Debt)	195.42	84.65	85.94	57.31	170.76
Net Cash Growth	130.85%	-1.50%	49.96%	-66.44%	-
Net Cash Per Share	55.17	23.85	24.00	16.03	47.84
Filing Date Shares Outstanding	3.52	3.52	3.57	3.56	3.55
Total Common Shares Outstanding	3.52	3.52	3.57	3.56	3.55
Book Value Per Share	30.26	26.60	30.38	28.19	32.35
Tangible Book Value	106.51	93.67	108.42	100.35	114.99
Tangible Book Value Per Share	30.26	26.60	30.38	28.19	32.35

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.