Canandaigua National 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	82.28	335.12	178.82	54.05	62.33	52.98
Investment Securities	1,122	946.38	945.78	991.42	1,078	823.45
Total Investments	1,122	946.38	945.78	991.42	1,078	823.45
Gross Loans	4,040	3,922	3,802	3,702	3,478	3,187
Allowance for Loan Losses	-	-37.57	-39.6	-35.68	-36.8	-34.31
Net Loans	4,040	3,884	3,763	3,666	3,441	3,152
Property, Plant & Equipment	34.89	28.41	25.24	26.41	22.45	18.7
Goodwill	-	8.82	8.82	8.82	8.82	8.82
Other Intangible Assets	8.82	-	-	-	-	-
Loans Held for Sale	9.22	4.04	7.44	4.18	1.64	10.72
Accrued Interest Receivable	23.04	21.59	19.89	17.77	15.25	11.01
Long-Term Deferred Tax Assets	-	9	13.59	16.41	24.09	9.99
Other Real Estate Owned & Foreclosed	-	0.82	-	0.22	0.09	0.09
Other Long-Term Assets	96.43	65.01	66.28	66.64	71.77	59.48
Total Assets	5,417	5,327	5,059	4,884	4,748	4,160
Interest Bearing Deposits	3,668	2,856	2,578	2,312	2,436	2,193
Institutional Deposits	-	662.6	541.1	447.1	359.2	325.3
Non-Interest Bearing Deposits	874.69	852.69	879.87	827.39	966.71	998.11
Total Deposits	4,543	4,371	3,999	3,587	3,762	3,516
Short-Term Borrowings	-	-	-	210.8	178.2	0.4
Current Portion of Long-Term Debt	-	200	150	50	50	50
Current Portion of Leases	-	4.29	-	-	-	-
Accrued Interest Payable	-	46.38	49.12	60.38	93.17	73.72
Federal Home Loan Bank Debt, Long-Term	300	200	400	550	300	150
Long-Term Leases	-	25.44	30.73	26.51	-	-
Trust Preferred Securities	51.55	51.55	51.55	51.55	51.55	51.55
Other Long-Term Liabilities	74.41	1.55	1.71	-	-	-
Total Liabilities	4,969	4,900	4,683	4,536	4,435	3,842
Common Stock	9.73	9.73	9.73	9.73	9.73	9.73
Additional Paid-In Capital	14.74	14.37	14.31	14.19	13.85	13.32
Retained Earnings	467.23	442.9	401.67	374.86	345.96	314.58
Treasury Stock	-29.33	-28.33	-25.51	-19.72	-14.42	-12.21
Comprehensive Income & Other	-14.29	-12.35	-24.36	-31.8	-42.87	-7.05
Total Common Equity	448.07	426.32	375.84	347.27	312.25	318.37
Minority Interest	0.32	0.32	0.3	0.31	0.31	0.34
Shareholders' Equity	448.39	426.64	376.14	347.58	312.56	318.71
Total Liabilities & Equity	5,417	5,327	5,059	4,884	4,748	4,160
Total Debt	351.55	481.28	632.28	888.85	579.75	251.95
Net Cash (Debt)	-147.28	-146.17	-453.45	-834.8	-517.42	-198.97
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-80.91	-80.05	-245.23	-445.70	-274.44	-105.70
Filing Date Shares Outstanding	1.82	1.82	1.83	1.85	1.87	1.87
Total Common Shares Outstanding	1.82	1.82	1.83	1.85	1.87	1.87
Book Value Per Share	246.56	234.41	205.22	187.34	166.88	169.94
Tangible Book Value	439.25	417.51	367.02	338.45	303.43	309.55
Tangible Book Value Per Share	241.71	229.56	200.41	182.58	162.17	165.23