CEFC 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	60.28	57.37	55.59	32.94	61.07	28.71
Investment Securities	109.09	80.35	58.31	86.35	103.09	96.06
Mortgage-Backed Securities	-	10.27	21.79	8.73	4.94	4.09
Total Investments	109.09	90.62	80.09	95.08	108.03	100.15
Gross Loans	364.32	371.33	395.65	417.4	411.29	451.57
Allowance for Loan Losses	-3.34	-3.39	-3.48	-3.57	-4.15	-3.82
Net Loans	360.99	367.94	392.17	413.83	407.14	447.75
Property, Plant & Equipment	9.74	9.62	10.04	9.25	8.8	8.48
Goodwill	-	3.1	3.1	3.1	3.1	3.1
Other Intangible Assets	-	0.08	0.15	0.23	0.3	0.38
Accrued Interest Receivable	-	2.11	2.17	2.17	1.96	1.73
Other Real Estate Owned & Foreclosed	-	-	0.23	-	-	-
Other Long-Term Assets	24.88	19.65	19.38	18.83	19.63	16.32
Total Assets	564.97	554.21	566.64	579.16	613.75	610.8
Accrued Expenses	-	2.47	3.27	3.16	3.17	2.91
Interest Bearing Deposits	486.99	337.83	365.45	363.26	387.39	379.62
Institutional Deposits	-	22.92	27.54	24.78	18.34	12.13
Non-Interest Bearing Deposits	-	110.76	105.51	113.61	133.01	123.31
Total Deposits	486.99	471.5	498.51	501.65	538.73	515.06
Current Portion of Long-Term Debt	-	11	-	-	-	-
Current Portion of Leases	-	0.04	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	11	5	4	14	19	34.4
Long-Term Leases	-	0.58	-	-	-	-
Trust Preferred Securities	7.31	7.31	10.31	13.4	13.4	13.4
Other Long-Term Liabilities	3.68	0.03	0.03	0.15	0.13	0.14
Total Liabilities	508.99	497.93	516.11	532.35	574.44	565.91
Common Stock	55.99	20.2	20.52	20.52	20.52	20.52
Retained Earnings	-	42.31	37.91	34.26	30.01	24.15
Comprehensive Income & Other	-	-6.22	-7.89	-7.97	-11.22	0.23
Shareholders' Equity	55.99	56.28	50.53	46.81	39.31	44.89
Total Liabilities & Equity	564.97	554.21	566.64	579.16	613.75	610.8
Total Debt	18.31	23.92	14.31	27.4	32.4	47.8
Net Cash (Debt)	41.97	33.45	43.02	11	40.05	5.8
Net Cash Growth	-22.55%	-22.25%	291.15%	-72.54%	591.00%	-67.52%
Net Cash Per Share	10.63	8.44	10.85	2.77	10.10	1.46
Filing Date Shares Outstanding	3.9	3.94	3.97	3.97	3.97	3.97
Total Common Shares Outstanding	3.9	3.94	3.97	3.97	3.97	3.97
Book Value Per Share	14.36	14.30	12.74	11.80	9.91	11.32
Tangible Book Value	55.99	53.11	47.28	43.48	35.91	41.41
Tangible Book Value Per Share	14.36	13.49	11.92	10.97	9.06	10.44

Source: S&P Global Market Intelligence. Banks template. Financial Sources.