Crystal Valley 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	9.31	10.73	9.44	12.91	45.13
Investment Securities	128.77	131.47	154.81	168.71	224.09
Total Investments	128.77	131.47	154.81	168.71	224.09
Gross Loans	642.99	612.59	585.69	523.18	462.07
Allowance for Loan Losses	-10.66	-7.6	-7.54	-6.71	-
Other Adjustments to Gross Loans	-0.03	-0.04	-0.04	-0.07	-
Net Loans	632.3	604.95	578.11	516.4	462.07
Property, Plant & Equipment	8.88	5.11	5.38	5.28	5.74
Accrued Interest Receivable	3.17	3.03	3.01	2.81	2.55
Other Long-Term Assets	26.02	27.65	23.93	25.4	17.24
Total Assets	811.98	786.47	778.21	734.22	759.56
Interest Bearing Deposits	416.53	390.24	382.35	388.59	252.96
Institutional Deposits	105.85	100.71	85.31	64.4	-
Non-Interest Bearing Deposits	131.16	131.05	134.47	170.91	360.85
Total Deposits	653.54	622	602.13	623.9	613.81
Short-Term Borrowings	9.55	12.78	14.04	8.11	5.56
Accrued Interest Payable	0.73	0.7	0.73	0.27	-
Federal Home Loan Bank Debt, Long-Term	45.96	62.02	78.56	25.88	40.69
Other Long-Term Liabilities	9.15	8.2	8.31	9.28	9.42
Total Liabilities	718.93	705.7	703.77	667.45	669.47
Common Stock	2.05	2.05	2.05	2.05	2.05
Additional Paid-In Capital	2.18	2.18	2.18	2.18	2.18
Retained Earnings	129.73	122.03	113.21	105.74	97.04
Treasury Stock	-25.74	-24.53	-22.79	-19.34	-15.25
Comprehensive Income & Other	-15.17	-20.95	-20.22	-23.86	4.06
Shareholders' Equity	93.05	80.78	74.44	66.77	90.09
Total Liabilities & Equity	811.98	786.47	778.21	734.22	759.56
Total Debt	55.51	74.79	92.6	33.99	46.25
Net Cash (Debt)	-45.37	-63.21	-82.33	-18.9	-1.12
Net Cash Per Share	-35.66	-48.92	-61.43	-13.53	-0.78
Filing Date Shares Outstanding	1.26	1.28	1.31	1.37	1.43
Total Common Shares Outstanding	1.26	1.28	1.31	1.37	1.43
Book Value Per Share	73.77	63.14	56.93	48.91	62.98
Tangible Book Value	93.05	80.78	74.44	66.77	90.09
Tangible Book Value Per Share	73.77	63.14	56.93	48.91	62.98

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