Croghan Bancshares 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	30.78	36.99	37.36	21.02	45.8
Investment Securities	128.04	140.06	155.29	193.07	194.13
Mortgage-Backed Securities	255.84	171.8	140.74	137.17	164.6
Total Investments	383.88	311.86	296.02	330.24	358.73
Gross Loans	829.98	734.7	713.01	699.46	642.89
Allowance for Loan Losses	-9.2	-8.7	-8.87	-8.69	-8.77
Net Loans	820.78	726	704.14	690.77	634.12
Property, Plant & Equipment	9.75	10.2	10.74	10.12	10.41
Goodwill	22.42	22.42	22.42	22.42	22.42
Other Intangible Assets	-	-	-	0.08	0.24
Accrued Interest Receivable	5.14	4.61	4.59	4.31	3.61
Long-Term Deferred Tax Assets	5.35	7.73	7.93	9.6	-
Other Real Estate Owned & Foreclosed	0.11	-	-	0.06	0.05
Other Long-Term Assets	28.74	28.63	31.49	33.62	33.69
Total Assets	1,314	1,151	1,118	1,126	1,112
Interest Bearing Deposits	649.4	626.55	569.57	559.91	564.72
Institutional Deposits	51.77	52.25	38.42	15.92	12.33
Non-Interest Bearing Deposits	272.38	265.3	279.22	333.08	331.64
Total Deposits	973.54	944.1	887.2	908.9	908.69
Short-Term Borrowings	155.14	50.01	62.53	83.25	39.5
Current Portion of Long-Term Debt	20	-	17.5	-	-
Current Portion of Leases	0.07	-	-	-	-
Other Current Liabilities	1.21	1.2	1.2	1.23	1.21
Long-Term Debt	-	25	-	-	-
Federal Home Loan Bank Debt, Long-Term	20	-	25	17.5	17.5
Long-Term Leases	-	0.19	0.3	-	-
Pension & Post-Retirement Benefits	0.45	0.47	0.47	0.49	0.5
Long-Term Deferred Tax Liabilities	-	-	-	2.28	0.15
Other Long-Term Liabilities	6.26	5.53	4.27	3.05	4.79
Total Liabilities	1,177	1,027	998.47	1,017	972.35
Common Stock	31.33	31.33	31.33	31.33	31.33
Additional Paid-In Capital	13.37	13.25	13.19	13.13	13.07
Retained Earnings	134.31	126.96	121.72	116.21	107.05
Treasury Stock	-22.67	-19.63	-18.1	-15.38	-12.86
Comprehensive Income & Other	-18.62	-27.62	-28.48	-36.21	1.46
Shareholders' Equity	137.72	124.29	119.66	109.07	140.06
Total Liabilities & Equity	1,314	1,151	1,118	1,126	1,112
Total Debt	195.21	75.2	105.33	100.75	57
Net Cash (Debt)	-164.43	-38.21	-67.97	-79.73	-11.2
Net Cash Per Share	-80.44	-18.22	-31.86	-36.49	-5.05
Filing Date Shares Outstanding	2.01	2.08	2.11	2.16	2.2
Total Common Shares Outstanding	2.01	2.08	2.11	2.16	2.2
Book Value Per Share	68.36	59.90	56.82	50.53	63.72
Tangible Book Value	115.31	101.88	97.24	86.57	117.4
Tangible Book Value Per Share	57.24	49.09	46.18	40.11	53.41

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