Citizens Bancorp (CZBC)

Citizens Bancorp Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	19.34	48.25	162.17	155.73	115.32	196.07
Investment Securities	388.89	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	388.89	326.13	394.31	463.64	552.05	313.93
Gross Loans	370.39	376.7	407.38	380.05	362.66	442.7
Allowance for Loan Losses	-5.93	-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	364.46	370.08	400.8	373.06	353.12	428.09
Property, Plant & Equipment	13.87	14.11	14.02	13.41	12.99	13.24
Loans Held for Sale	-	-	-	-	-	1
Accrued Interest Receivable	3.62	3.92	4.36	3.84	3.77	3.61
Long-Term Deferred Tax Assets	15.76	18.39	18.62	19.95	4.29	2.52
Other Real Estate Owned & Foreclosed	-	-	-	-	0.73	0.75
Other Long-Term Assets	26.84	26.62	25.43	24.25	23.82	23.45
Total Assets	832.79	807.49	1,020	1,055	1,067	983.61
Interest Bearing Deposits	724.33	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	724.33	706.98	752.31	955.73	916.45	833.35
Short-Term Borrowings	17.72	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	10.46	2.35	7.63	2.42	1.82	2.8
Total Liabilities	752.51	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	64.73	63.65	62.25	58.44	51.86	44.93
Comprehensive Income & Other	-31.93	-37.3	-37.69	-47.06	-3.05	5.64
Total Common Equity	78.35	71.55	69.41	56.72	93.59	94.88
Shareholders' Equity	80.28	73.49	71.34	58.66	95.52	96.88
Total Liabilities & Equity	832.79	807.49	1,020	1,055	1,067	983.61
Total Debt	17.72	15.57	179.57	29.53	44.53	43.28
Net Cash (Debt)	81.7	32.69	-17.4	126.2	70.79	152.8
Net Cash Growth	-	-	-	78.27%	-53.67%	645.12%
Net Cash Per Share	14.55	5.82	-3.09	22.32	12.59	27.30
Filing Date Shares Outstanding	6.34	5.59	5.57	5.66	5.62	5.6
Total Common Shares Outstanding	6.34	5.59	5.57	5.66	5.62	5.6
Book Value Per Share	12.35	12.80	12.45	10.03	16.64	16.95
Tangible Book Value	78.35	71.55	69.41	56.72	93.59	94.88
Tangible Book Value Per Share	12.35	12.80	12.45	10.03	16.64	16.95

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