Commencement Bancorp 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	2015 - 2019
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	2015 - 2019
Cash & Equivalents	19.7	64.1	14.29	10.78	58.43	37.76	Upgrade
Investment Securities	24.53	18.61	23.22	26.03	22.67	41.03	Upgrade
Trading Asset Securities	-	0.18	-	-	-	-	Upgrade
Mortgage-Backed Securities	84.79	71.63	79.26	86.94	82.57	13.06	Upgrade
Total Investments	109.32	90.42	102.48	112.97	105.24	54.09	Upgrade
Gross Loans	512.32	467.74	443.37	429.84	346.99	416.34	Upgrade
Allowance for Loan Losses	-6.33	-5.59	-5.69	-4.98	-4.74	-4.67	Upgrade
Other Adjustments to Gross Loans	-	-0.42	-0.29	-0.38	-0.67	-2.36	Upgrade
Net Loans	505.99	461.73	437.4	424.49	341.58	409.31	Upgrade
Property, Plant & Equipment	13.52	6.87	5.02	5.63	6.4	7.29	Upgrade
Goodwill	-	1.21	1.21	1.21	1.21	1.21	Upgrade
Other Intangible Assets	1.21	-	-	0.01	0.05	0.09	Upgrade
Accrued Interest Receivable	2.08	1.78	2.07	1.54	1.08	1.9	Upgrade
Long-Term Deferred Tax Assets	-	4.5	4.67	-	-	-	Upgrade
Other Long-Term Assets	22.52	18.72	18.71	22.43	16.82	15.64	Upgrade
Total Assets	676.3	649.69	586.19	580.77	531.44	527.77	Upgrade
Interest Bearing Deposits	436.26	377.38	347.27	280.11	300.15	307.03	Upgrade
Institutional Deposits	-	48.22	28.97	49.61	26.24	24.09	Upgrade
Non-Interest Bearing Deposits	169.74	166.39	154.95	172.77	145.64	138.59	Upgrade
Total Deposits	605.99	591.99	531.19	502.48	472.03	469.71	Upgrade
Short-Term Borrowings	-	-	-	26.85	-	-	Upgrade
Current Portion of Leases	-	0.25	-	-	-	-	Upgrade
Accrued Interest Payable	0.43	0.5	0.37	0.04	0.02	0.04	Upgrade
Long-Term Leases	-	1.99	1.28	1.8	2.3	2.79	Upgrade
Other Long-Term Liabilities	12.18	3.53	3.24	2.94	3.47	3.42	Upgrade
Total Liabilities	618.61	598.27	536.08	534.11	477.82	475.96	Upgrade
Common Stock	3.72	3.81	3.97	3.97	4.08	4.18	Upgrade
Additional Paid-In Capital	40.99	41.91	43.15	42.83	43.9	44.96	Upgrade
Retained Earnings	22.13	17.47	15.24	12.19	6.7	2.51	Upgrade
Comprehensive Income & Other	-9.14	-11.76	-12.26	-12.34	-1.06	0.17	Upgrade
Shareholders' Equity	57.7	51.42	50.11	46.66	53.62	51.81	Upgrade
Total Liabilities & Equity	676.3	649.69	586.19	580.77	531.44	527.77	Upgrade
Total Debt	-	2.25	1.28	28.65	2.3	2.79	Upgrade
Net Cash (Debt)	44.23	62.03	14.01	-15.13	60.86	66.85	Upgrade
Net Cash Growth	14.40%	342.71%	-	-	-8.95%	28.33%	Upgrade
Net Cash Per Share	11.49	15.93	3.48	-3.73	14.44	15.83	Upgrade
Filing Date Shares Outstanding	3.72	3.81	3.97	3.97	4.08	4.18	Upgrade
Total Common Shares Outstanding	3.72	3.81	3.97	3.97	4.08	4.18	Upgrade
Book Value Per Share	15.50	13.48	12.61	11.74	13.13	12.39	Upgrade
Tangible Book Value	56.48	50.21	48.9	45.43	52.36	50.5	Upgrade
Tangible Book Value Per Share	15.17	13.16	12.31	11.43	12.82	12.08	Upgrade

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