Citizens Bancorp 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	79.89	48.25	162.17	155.73	115.32
Investment Securities	148.36	120.56	152.93	192.04	206.39
Mortgage-Backed Securities	187.87	205.56	241.38	271.6	345.66
Total Investments	336.23	326.13	394.31	463.64	552.05
Gross Loans	364.8	376.7	407.38	380.05	362.66
Allowance for Loan Losses	-6.19	-5.91	-5.61	-5.63	-8.05
Other Adjustments to Gross Loans	-0.41	-0.71	-0.97	-1.36	-1.49
Net Loans	358.2	370.08	400.8	373.06	353.12
Property, Plant & Equipment	13.62	14.11	14.02	13.41	12.99
Accrued Interest Receivable	3.8	3.92	4.36	3.84	3.77
Long-Term Deferred Tax Assets	13.72	18.39	18.62	19.95	4.29
Other Real Estate Owned & Foreclosed	-	-	-	-	0.73
Other Long-Term Assets	26.27	26.62	25.43	24.25	23.82
Total Assets	831.73	807.49	1,020	1,055	1,067
Interest Bearing Deposits	353.87	334.94	374.84	499.4	465.23
Institutional Deposits	1.07	1.36	2.66	2.97	2.68
Non-Interest Bearing Deposits	350.62	370.69	374.81	453.36	448.54
Total Deposits	705.56	706.98	752.31	955.73	916.45
Short-Term Borrowings	25.72	14.49	18.68	28.48	43.93
Current Portion of Leases	0.22	-	-	-	-
Other Current Liabilities	1.2	1.9	2.07	2.52	3.28
Long-Term Debt	-	-	160	-	-
Long-Term Leases	0.67	1.08	0.9	1.05	0.6
Pension & Post-Retirement Benefits	7.67	7.21	6.8	6.3	5.67
Other Long-Term Liabilities	3.06	2.35	7.63	2.42	1.82
Total Liabilities	744.1	734.01	948.39	996.5	971.74
Preferred Stock, Non-Redeemable	1.93	1.93	1.93	1.93	1.93
Total Preferred Equity	1.93	1.93	1.93	1.93	1.93
Common Stock	45.54	45.2	44.85	45.34	44.78
Retained Earnings	64.94	63.65	62.25	58.44	51.86
Comprehensive Income & Other	-24.78	-37.3	-37.69	-47.06	-3.05
Total Common Equity	85.7	71.55	69.41	56.72	93.59
Shareholders' Equity	87.63	73.49	71.34	58.66	95.52
Total Liabilities & Equity	831.73	807.49	1,020	1,055	1,067
Total Debt	26.61	15.57	179.57	29.53	44.53
Net Cash (Debt)	53.28	32.69	-17.4	126.2	70.79
Net Cash Growth	63.02%	-	-	78.27%	-53.67%
Net Cash Per Share	9.48	5.82	-3.09	22.32	12.59
Filing Date Shares Outstanding	5.62	5.59	5.57	5.66	5.62
Total Common Shares Outstanding	5.62	5.59	5.57	5.66	5.62
Book Value Per Share	15.24	12.80	12.45	10.03	16.64
Tangible Book Value	85.7	71.55	69.41	56.72	93.59
Tangible Book Value Per Share	15.24	12.80	12.45	10.03	16.64

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