Citizens Financial 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	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	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	20	25.99	31.04	33.82
Net Cash (Debt)	27.24	-1.64	-14.78	-1.93	64.51
Net Cash Growth	-	-	-	-	168.64%
Net Cash Per Share	15.23	-0.92	-8.32	-1.09	36.42
Filing Date Shares Outstanding	1.79	1.78	1.78	1.77	1.77
Total Common Shares Outstanding	1.79	1.78	1.78	1.77	1.77
Book Value Per Share	34.56	28.79	24.29	20.48	20.55
Tangible Book Value	57.79	47.07	38.62	31.48	31.36
Tangible Book Value Per Share	32.31	26.39	21.74	17.77	17.70

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