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	Jun '26 Jun 30, 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	37.59	57.37	55.59	32.94	61.07	28.71
Investment Securities	117.33	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	117.33	90.62	80.09	95.08	108.03	100.15
Gross Loans	367.03	371.33	395.65	417.4	411.29	451.57
Allowance for Loan Losses	-3.33	-3.39	-3.48	-3.57	-4.15	-3.82
Net Loans	363.7	367.94	392.17	413.83	407.14	447.75
Property, Plant & Equipment	9.85	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	24.79	19.65	19.38	18.83	19.63	16.32
Total Assets	553.25	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	467.63	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	467.63	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	18	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	3.47	0.03	0.03	0.15	0.13	0.14
Total Liabilities	496.41	497.93	516.11	532.35	574.44	565.91
Common Stock	56.84	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	56.84	56.28	50.53	46.81	39.31	44.89
Total Liabilities & Equity	553.25	554.21	566.64	579.16	613.75	610.8
Total Debt	25.31	23.92	14.31	27.4	32.4	47.8
Net Cash (Debt)	12.28	33.45	43.02	11	40.05	5.8
Net Cash Growth	-72.83%	-22.25%	291.15%	-72.54%	591.00%	-67.52%
Net Cash Per Share	3.12	8.44	10.85	2.77	10.10	1.46
Filing Date Shares Outstanding	3.88	3.94	3.97	3.97	3.97	3.97
Total Common Shares Outstanding	3.88	3.94	3.97	3.97	3.97	3.97
Book Value Per Share	14.66	14.30	12.74	11.80	9.91	11.32
Tangible Book Value	56.84	53.11	47.28	43.48	35.91	41.41
Tangible Book Value Per Share	14.66	13.49	11.92	10.97	9.06	10.44