Citizens Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	15.71	48.25	162.17	155.73	115.32	196.07
Investment Securities	415.37	120.56	152.93	192.04	206.39	110.72
Mortgage-Backed Securities	-	205.56	241.38	271.6	345.66	203.21
Total Investments	415.37	326.13	394.31	463.64	552.05	313.93
Gross Loans	362.51	376.7	407.38	380.05	362.66	442.7
Allowance for Loan Losses	-6.09	-5.91	-5.61	-5.63	-8.05	-12.49
Other Adjustments to Gross Loans	-	-0.71	-0.97	-1.36	-1.49	-2.12
Net Loans	356.42	370.08	400.8	373.06	353.12	428.09
Property, Plant & Equipment	13.75	14.11	14.02	13.41	12.99	13.24
Loans Held for Sale	-	-	-	-	-	1
Accrued Interest Receivable	4.27	3.92	4.36	3.84	3.77	3.61
Long-Term Deferred Tax Assets	13.55	18.39	18.62	19.95	4.29	2.52
Other Real Estate Owned & Foreclosed	-	-	-	-	0.73	0.75
Other Long-Term Assets	27.12	26.62	25.43	24.25	23.82	23.45
Total Assets	846.18	807.49	1,020	1,055	1,067	983.61
Interest Bearing Deposits	715.84	334.94	374.84	499.4	465.23	448.33
Institutional Deposits	-	1.36	2.66	2.97	2.68	2.69
Non-Interest Bearing Deposits	-	370.69	374.81	453.36	448.54	382.33
Total Deposits	715.84	706.98	752.31	955.73	916.45	833.35
Short-Term Borrowings	33.01	14.49	18.68	28.48	43.93	42.56
Current Portion of Leases	-	0.24	-	-	-	-
Other Current Liabilities	-	1.9	2.07	2.52	3.28	2.15
Long-Term Debt	-	-	160	-	-	-
Long-Term Leases	-	0.84	0.9	1.05	0.6	0.71
Pension & Post-Retirement Benefits	-	7.21	6.8	6.3	5.67	5.16
Other Long-Term Liabilities	10.93	2.35	7.63	2.42	1.82	2.8
Total Liabilities	759.78	734.01	948.39	996.5	971.74	886.73
Preferred Stock, Non-Redeemable	1.93	1.93	1.93	1.93	1.93	2
Total Preferred Equity	1.93	1.93	1.93	1.93	1.93	2
Common Stock	45.54	45.2	44.85	45.34	44.78	44.32
Retained Earnings	65.13	63.65	62.25	58.44	51.86	44.93
Comprehensive Income & Other	-26.2	-37.3	-37.69	-47.06	-3.05	5.64
Total Common Equity	84.47	71.55	69.41	56.72	93.59	94.88
Shareholders' Equity	86.4	73.49	71.34	58.66	95.52	96.88
Total Liabilities & Equity	846.18	807.49	1,020	1,055	1,067	983.61
Total Debt	33.01	15.57	179.57	29.53	44.53	43.28
Net Cash (Debt)	76.58	32.69	-17.4	126.2	70.79	152.8
Net Cash Growth	188.41%	-	-	78.27%	-53.67%	645.12%
Net Cash Per Share	13.65	5.82	-3.09	22.32	12.59	27.30
Filing Date Shares Outstanding	5.67	5.59	5.57	5.66	5.62	5.6
Total Common Shares Outstanding	5.67	5.59	5.57	5.66	5.62	5.6
Book Value Per Share	14.89	12.80	12.45	10.03	16.64	16.95
Tangible Book Value	84.47	71.55	69.41	56.72	93.59	94.88
Tangible Book Value Per Share	14.89	12.80	12.45	10.03	16.64	16.95

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.