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	Jun '26 Jun 30, 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	15.01	79.89	48.25	162.17	155.73	115.32
Investment Securities	367.6	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	367.6	336.23	326.13	394.31	463.64	552.05
Gross Loans	389.62	364.8	376.7	407.38	380.05	362.66
Allowance for Loan Losses	-6.56	-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	383.06	358.2	370.08	400.8	373.06	353.12
Property, Plant & Equipment	13.31	13.62	14.11	14.02	13.41	12.99
Accrued Interest Receivable	3.92	3.8	3.92	4.36	3.84	3.77
Long-Term Deferred Tax Assets	13.44	13.72	18.39	18.62	19.95	4.29
Other Real Estate Owned & Foreclosed	-	-	-	-	-	0.73
Other Long-Term Assets	27.06	26.27	26.62	25.43	24.25	23.82
Total Assets	823.4	831.73	807.49	1,020	1,055	1,067
Interest Bearing Deposits	702.43	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	702.43	705.56	706.98	752.31	955.73	916.45
Short-Term Borrowings	22.82	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	10.92	3.06	2.35	7.63	2.42	1.82
Total Liabilities	736.17	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	65.64	64.94	63.65	62.25	58.44	51.86
Comprehensive Income & Other	-26.3	-24.78	-37.3	-37.69	-47.06	-3.05
Total Common Equity	85.3	85.7	71.55	69.41	56.72	93.59
Shareholders' Equity	87.24	87.63	73.49	71.34	58.66	95.52
Total Liabilities & Equity	823.4	831.73	807.49	1,020	1,055	1,067
Total Debt	22.82	26.61	15.57	179.57	29.53	44.53
Net Cash (Debt)	52.05	53.28	32.69	-17.4	126.2	70.79
Net Cash Growth	-36.30%	63.02%	-	-	78.27%	-53.67%
Net Cash Per Share	9.38	9.48	5.82	-3.09	22.32	12.59
Filing Date Shares Outstanding	4.9	5.62	5.59	5.57	5.66	5.62
Total Common Shares Outstanding	4.9	5.62	5.59	5.57	5.66	5.62
Book Value Per Share	17.41	15.24	12.80	12.45	10.03	16.64
Tangible Book Value	85.3	85.7	71.55	69.41	56.72	93.59
Tangible Book Value Per Share	17.41	15.24	12.80	12.45	10.03	16.64