Citizens Bancorp of Virginia, Inc. (CZBT)

CZBT 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	52.47	27.95	47.34	82.75	82.76	56.92
Investment Securities	210.89	147.13	147.96	149.16	179.83	119.37
Mortgage-Backed Securities	-	77.55	78.18	86.41	66.74	56.68
Total Investments	210.89	224.68	226.14	235.57	246.57	176.05
Gross Loans	276.2	270.33	252.67	224.58	213.1	235.31
Allowance for Loan Losses	-3.5	-3.33	-2.97	-2.24	-2.76	-3
Other Adjustments to Gross Loans	-	-0.56	-0.42	-0.28	-0.33	-0.47
Net Loans	272.7	266.44	249.28	222.06	210	231.84
Property, Plant & Equipment	7.66	7.69	7.75	8.19	8.54	8.95
Accrued Interest Receivable	2.52	2.57	2.24	2.1	1.53	1.76
Long-Term Deferred Tax Assets	-	3.31	3.73	4.59	0.65	0.16
Other Real Estate Owned & Foreclosed	0.53	0.53	0.63	1.12	2.1	2.96
Other Long-Term Assets	22.33	19.53	17.23	17.63	14.78	14.49
Total Assets	569.11	552.7	554.34	574	566.93	493.14
Accrued Expenses	3.09	2.69	3.74	2.97	3.35	3.51
Interest Bearing Deposits	362.36	306.67	319.24	348.77	342.46	286.7
Institutional Deposits	-	56.15	51.37	33.78	31.99	32.73
Non-Interest Bearing Deposits	117.01	108.93	113.42	129.92	121.38	99.66
Total Deposits	479.37	471.75	484.03	512.48	495.83	419.09
Short-Term Borrowings	8.47	10.12	5.63	8.5	7.55	11.89
Accrued Interest Payable	0.99	1.37	1.24	0.21	0.22	0.32
Other Long-Term Liabilities	-	0.1	-	-	-	-
Total Liabilities	491.92	486.04	494.65	524.16	506.96	434.81
Common Stock	1.05	1.05	1.06	1.06	1.07	1.07
Retained Earnings	83.74	78.27	72.44	66.72	60.86	57.66
Comprehensive Income & Other	-7.6	-12.65	-13.81	-17.94	-1.95	-0.4
Shareholders' Equity	77.19	66.67	59.69	49.84	59.98	58.32
Total Liabilities & Equity	569.11	552.7	554.34	574	566.93	493.14
Total Debt	8.47	10.12	5.63	8.5	7.55	11.89
Net Cash (Debt)	44.31	17.83	41.7	74.25	75.22	45.03
Net Cash Growth	-	-57.25%	-43.83%	-1.28%	67.04%	43.41%
Net Cash Per Share	21.03	8.42	19.63	34.89	35.22	20.89
Filing Date Shares Outstanding	2.1	2.11	2.12	2.13	2.13	2.14
Total Common Shares Outstanding	2.1	2.11	2.12	2.13	2.13	2.14
Book Value Per Share	36.69	31.63	28.11	23.45	28.15	27.21
Tangible Book Value	77.19	66.67	59.69	49.84	59.98	58.32
Tangible Book Value Per Share	36.69	31.63	28.11	23.45	28.15	27.21

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