Citizens Financial 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	-	45	18.36	11.22	29.11	98.33
Investment Securities	-	52.34	61.11	81.65	84.58	75.53
Mortgage-Backed Securities	-	18.2	6.92	1.81	2.03	3.62
Total Investments	-	70.54	68.03	83.46	86.61	79.15
Gross Loans	-	559.27	549.54	525.44	447.23	293.48
Allowance for Loan Losses	-	-5.74	-5.2	-4.6	-3.96	-3.69
Net Loans	-	553.53	544.35	520.84	443.28	289.79
Property, Plant & Equipment	-	8.08	8.12	7.43	6.03	7.92
Goodwill	-	2.75	2.75	2.75	2.75	2.75
Other Intangible Assets	-	1.27	1.53	1.78	2.04	2.29
Accrued Interest Receivable	-	2.69	2.35	2.31	1.68	1.22
Other Real Estate Owned & Foreclosed	-	0.43	0.99	1.32	1	0.93
Other Long-Term Assets	-	15.32	15.39	15.12	13.56	7.49
Total Assets	-	704.63	666.71	651.86	591.03	494.59
Interest Bearing Deposits	-	456.18	442.94	449.13	398.78	295.01
Institutional Deposits	-	44.9	38.09	18.32	7.51	8.57
Non-Interest Bearing Deposits	-	119.57	110.29	111.2	113.75	116.78
Total Deposits	-	620.66	591.32	578.64	520.05	420.36
Short-Term Borrowings	-	0.85	0.49	3.93	15.04	19
Long-Term Debt	-	11.2	12.8	14.4	16	10
Federal Home Loan Bank Debt, Long-Term	-	5.71	6.71	7.66	-	4.82
Pension & Post-Retirement Benefits	-	1.58	1.44	1.25	1.11	-
Other Long-Term Liabilities	-	2.81	2.58	2.82	2.56	4.01
Total Liabilities	-	642.81	615.35	608.7	554.76	458.18
Common Stock	-	4.69	4.68	4.66	4.66	4.66
Retained Earnings	-	63.53	55.15	49.18	44.44	39.32
Treasury Stock	-	-4.32	-4.39	-4.5	-4.58	-4.56
Comprehensive Income & Other	-	-2.08	-4.08	-6.19	-8.24	-3.02
Shareholders' Equity	61.81	61.81	51.36	43.15	36.27	36.41
Total Liabilities & Equity	-	704.63	666.71	651.86	591.03	494.59
Total Debt	17.76	17.76	20	25.99	31.04	33.82
Net Cash (Debt)	27.24	27.24	-1.64	-14.78	-1.93	64.51
Net Cash Growth	-	-	-	-	-	168.64%
Net Cash Per Share	15.18	15.23	-0.92	-8.32	-1.09	36.42
Filing Date Shares Outstanding	1.79	1.79	1.78	1.78	1.77	1.77
Total Common Shares Outstanding	1.79	1.79	1.78	1.78	1.77	1.77
Book Value Per Share	34.56	34.56	28.79	24.29	20.48	20.55
Tangible Book Value	57.79	57.79	47.07	38.62	31.48	31.36
Tangible Book Value Per Share	32.31	32.31	26.39	21.74	17.77	17.70

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