BNCCORP Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	179.74	211.45	100.82	102.45	73.97	188.06
Investment Securities	111.05	24.4	25.94	43.1	44.85	51.7
Mortgage-Backed Securities	-	90.27	103.58	116.68	130.03	157.28
Total Investments	111.05	114.67	129.52	159.77	174.88	208.98
Gross Loans	734.62	738.7	698.72	668.81	616.65	529.79
Allowance for Loan Losses	-8.64	-10.32	-9.22	-9.28	-8.83	-9.08
Net Loans	725.99	728.38	689.5	659.52	607.81	520.71
Property, Plant & Equipment	10.48	10.63	11.51	11.89	13.29	14.64
Loans Held for Sale	-	-	-	-	37.76	80.92
Accrued Interest Receivable	4.06	4.4	4.11	4.21	3.31	2.59
Other Receivables	-	0.57	0.54	0.49	0.48	0.54
Other Long-Term Assets	31.54	29.52	30.11	29.3	30.57	29.64
Total Assets	1,063	1,100	966.68	968.21	943.32	1,047
Accrued Expenses	1.98	2.88	2.83	4.11	5.48	7.3
Interest Bearing Deposits	757.83	769.98	644.64	632.16	597.45	702.07
Institutional Deposits	-	24.2	20.4	20.6	14.9	18
Non-Interest Bearing Deposits	174.63	177.62	172.46	184.44	207.23	186.6
Total Deposits	932.46	971.8	837.5	837.2	819.58	906.67
Current Portion of Leases	-	0.38	-	-	0.64	-
Accrued Interest Payable	1.63	1.64	1.25	0.94	0.31	0.23
Other Current Liabilities	-	-	14.3	-	-	-
Long-Term Leases	0.65	0.19	0.7	1.05	1.02	2.3
Trust Preferred Securities	15.46	15.46	15.46	15.46	15	15
Other Long-Term Liabilities	2.08	1.35	0.97	1.03	0.94	0.89
Total Liabilities	954.26	993.7	873.01	859.79	842.98	932.39
Common Stock	0.04	0.04	0.04	0.04	0.04	0.04
Additional Paid-In Capital	27.25	27.23	26.9	26.57	26.4	26.07
Retained Earnings	89.6	87.44	78.67	93.19	87.58	87.38
Treasury Stock	-2.75	-2.75	-2.7	-1.53	-1.62	-1.65
Comprehensive Income & Other	-5.54	-5.45	-9.24	-9.85	-12.04	3.15
Shareholders' Equity	108.59	106.51	93.67	108.42	100.35	114.99
Total Liabilities & Equity	1,063	1,100	966.68	968.21	943.32	1,047
Total Debt	16.12	16.04	16.16	16.51	16.66	17.3
Net Cash (Debt)	163.62	195.42	84.65	85.94	57.31	170.76
Net Cash Growth	88.52%	130.85%	-1.50%	49.96%	-66.44%	-
Net Cash Per Share	46.19	55.17	23.85	24.00	16.03	47.84
Filing Date Shares Outstanding	3.52	3.52	3.52	3.57	3.56	3.55
Total Common Shares Outstanding	3.52	3.52	3.52	3.57	3.56	3.55
Book Value Per Share	30.85	30.26	26.60	30.38	28.19	32.35
Tangible Book Value	108.59	106.51	93.67	108.42	100.35	114.99
Tangible Book Value Per Share	30.85	30.26	26.60	30.38	28.19	32.35