EFSG Balance Sheet

Financials in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Cash & Equivalents	123.87	91.53	69.47	111.29	67.47
Gross Loans	341.02	333.81	319.9	285.48	289.46
Allowance for Loan Losses	-1.53	-1.62	-1.66	-1.01	-0.98
Net Loans	339.48	332.19	318.24	284.47	288.48
Property, Plant & Equipment	10.75	10.96	11.13	11.34	10.71
Accrued Interest Receivable	1.57	2.13	1.79	1.28	1.24
Other Receivables	0.36	-0.05	0.9	0.65	0.75
Other Current Assets	3.69	2.86	2.58	3.81	3.17
Long-Term Deferred Tax Assets	0.65	0.21	0.66	0.36	0.4
Other Real Estate Owned & Foreclosed	20.66	4.09	5.68	1.99	2.61
Other Long-Term Assets	0.08	0.08	0.07	0.08	0.07
Total Assets	503.59	446.68	413.49	417.59	377.54
Accrued Expenses	3.09	1.94	2.27	2.29	3.06
Interest Bearing Deposits	380.68	317.43	273.57	311.89	267.39
Institutional Deposits	12.04	14.98	20.44	7.05	3.41
Non-Interest Bearing Deposits	7.73	9.67	9.73	5.91	5.13
Total Deposits	400.44	342.08	303.74	324.85	275.93
Current Portion of Long-Term Debt	2	5	5	5	18
Accrued Interest Payable	0.64	0.63	0.74	0.33	0.31
Long-Term Debt	-	-	-	-	1.26
Federal Home Loan Bank Debt, Long-Term	56.17	58.17	65.67	49.28	44.28
Trust Preferred Securities	0.2	0.2	0.2	0.2	0.2
Other Long-Term Liabilities	0.1	0.06	0.14	-	-
Total Liabilities	462.64	408.07	377.75	381.95	343.05
Preferred Stock, Redeemable	1.5	2.5	2.5	3.75	5
Common Stock	0.6	0.6	0.6	0.6	0.6
Additional Paid-In Capital	14.29	13.93	13.93	13.83	13.76
Retained Earnings	24.57	21.83	18.96	17.78	15.51
Treasury Stock	-	-0.25	-0.25	-0.32	-0.37
Total Common Equity	39.46	36.11	33.25	31.9	29.49
Shareholders' Equity	40.96	38.61	35.75	35.65	34.49
Total Liabilities & Equity	503.59	446.68	413.49	417.59	377.54
Total Debt	58.37	63.37	70.87	54.48	63.74
Net Cash (Debt)	65.51	28.16	-1.39	56.82	3.73
Net Cash Growth	132.59%	-	-	1422.66%	-
Net Cash Per Share	55.76	24.03	-1.19	48.97	3.29
Filing Date Shares Outstanding	1.2	1.17	1.17	1.16	1.16
Total Common Shares Outstanding	1.2	1.17	1.17	1.16	1.16
Book Value Per Share	32.87	30.81	28.36	27.40	25.48
Tangible Book Value	39.46	36.11	33.25	31.9	29.49
Tangible Book Value Per Share	32.87	30.81	28.36	27.40	25.48

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