Elmer 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	24.94	46.42	30.25	39.25	55.74	82.54
Investment Securities	22.97	23.22	18.76	18.59	20.68	22.13
Mortgage-Backed Securities	-	-	4.3	4.93	5.56	7.56
Total Investments	22.97	23.22	23.05	23.52	26.24	29.7
Gross Loans	339.58	327.27	314.87	290.17	279.22	254.35
Allowance for Loan Losses	-4.2	-4.16	-4.04	-4.08	-4.38	-4.56
Other Adjustments to Gross Loans	-	-	-0.51	-0.43	-0.33	-0.33
Net Loans	335.38	323.11	310.33	285.66	274.51	249.46
Property, Plant & Equipment	3.75	3.72	3.76	3.84	3.96	3.65
Accrued Interest Receivable	1.05	1.02	0.95	0.83	0.77	0.66
Long-Term Deferred Tax Assets	-	-	1.98	1.95	2.35	1.72
Other Real Estate Owned & Foreclosed	-	-	1.13	1.27	-	-
Other Long-Term Assets	11.96	11.93	8.93	7.94	7.66	7.66
Total Assets	400.05	409.42	380.73	364.58	371.53	375.69
Accrued Expenses	-	-	1.62	1.67	1.84	1.63
Interest Bearing Deposits	358.06	367.91	210.15	209.27	223.86	222.51
Institutional Deposits	-	-	24.72	9.82	4.72	7.95
Non-Interest Bearing Deposits	-	-	108.59	110.97	111.75	114.07
Total Deposits	358.06	367.91	343.46	330.06	340.33	344.53
Accrued Interest Payable	0.15	0.25	0.19	0.06	0.02	0.03
Other Long-Term Liabilities	2.42	2.21	0.07	0.06	0.04	0.04
Total Liabilities	360.63	370.37	345.34	331.86	342.23	346.23
Common Stock	39.42	39.05	0.12	0.12	0.12	0.12
Additional Paid-In Capital	-	-	0.55	0.57	0.58	0.6
Retained Earnings	-	-	38.44	36.17	33.36	31.22
Treasury Stock	-	-	-2.2	-2.25	-2.12	-2.16
Comprehensive Income & Other	-	-	-1.53	-1.89	-2.65	-0.32
Shareholders' Equity	39.42	39.05	35.38	32.72	29.3	29.47
Total Liabilities & Equity	400.05	409.42	380.73	364.58	371.53	375.69
Net Cash (Debt)	24.94	46.42	30.25	39.25	55.74	82.54
Net Cash Growth	-16.23%	53.48%	-22.94%	-29.58%	-32.47%	152.18%
Net Cash Per Share	21.79	40.57	26.49	34.16	48.49	71.87
Filing Date Shares Outstanding	1.15	1.15	1.14	1.14	1.15	1.15
Total Common Shares Outstanding	1.15	1.15	1.14	1.14	1.15	1.15
Book Value Per Share	34.36	34.08	30.91	28.62	25.45	25.62
Tangible Book Value	39.42	39.05	35.38	32.72	29.3	29.47
Tangible Book Value Per Share	34.36	34.08	30.91	28.62	25.45	25.62

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