Citizens Bancorp 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	Mar '26 Mar 31, 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	12.49	79.89	48.25	162.17	155.73	115.32
Investment Securities	378.72	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	378.72	336.23	326.13	394.31	463.64	552.05
Gross Loans	367.78	364.8	376.7	407.38	380.05	362.66
Allowance for Loan Losses	-6.22	-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	361.56	358.2	370.08	400.8	373.06	353.12
Property, Plant & Equipment	13.47	13.62	14.11	14.02	13.41	12.99
Accrued Interest Receivable	3.81	3.8	3.92	4.36	3.84	3.77
Long-Term Deferred Tax Assets	13.51	13.72	18.39	18.62	19.95	4.29
Other Real Estate Owned & Foreclosed	-	-	-	-	-	0.73
Other Long-Term Assets	26.91	26.27	26.62	25.43	24.25	23.82
Total Assets	810.45	831.73	807.49	1,020	1,055	1,067
Interest Bearing Deposits	686.07	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	686.07	705.56	706.98	752.31	955.73	916.45
Short-Term Borrowings	26.9	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	10.65	3.06	2.35	7.63	2.42	1.82
Total Liabilities	723.62	744.1	734.01	948.39	996.5	971.74
Preferred Stock, Non-Redeemable	1.93	1.93	1.93	1.93	1.93	1.93
Total Preferred Equity	1.93	1.93	1.93	1.93	1.93	1.93
Common Stock	45.96	45.54	45.2	44.85	45.34	44.78
Retained Earnings	65.55	64.94	63.65	62.25	58.44	51.86
Comprehensive Income & Other	-26.61	-24.78	-37.3	-37.69	-47.06	-3.05
Total Common Equity	84.9	85.7	71.55	69.41	56.72	93.59
Shareholders' Equity	86.83	87.63	73.49	71.34	58.66	95.52
Total Liabilities & Equity	810.45	831.73	807.49	1,020	1,055	1,067
Total Debt	26.9	26.61	15.57	179.57	29.53	44.53
Net Cash (Debt)	45.34	53.28	32.69	-17.4	126.2	70.79
Net Cash Growth	34.46%	63.02%	-	-	78.27%	-53.67%
Net Cash Per Share	7.94	9.48	5.82	-3.09	22.32	12.59
Filing Date Shares Outstanding	6.09	5.62	5.59	5.57	5.66	5.62
Total Common Shares Outstanding	6.09	5.62	5.59	5.57	5.66	5.62
Book Value Per Share	13.94	15.24	12.80	12.45	10.03	16.64
Tangible Book Value	84.9	85.7	71.55	69.41	56.72	93.59
Tangible Book Value Per Share	13.94	15.24	12.80	12.45	10.03	16.64

Source: S&P Global Market Intelligence. Banks template. Financial Sources.