ES Bancshares Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	36.65	26.71	32.73	38.12	59.08
Investment Securities	11.92	20.78	13.1	13.39	7.26
Mortgage-Backed Securities	-	1.56	2.12	2.66	3.93
Total Investments	11.92	22.34	15.22	16.04	11.19
Gross Loans	549.73	564.47	569.01	512.59	428.11
Allowance for Loan Losses	-5.14	-5.14	-5.09	-5.86	-5.87
Net Loans	544.59	559.33	563.92	506.73	422.24
Property, Plant & Equipment	9.15	10.74	12.02	13.08	11.99
Goodwill	0.58	0.58	0.58	0.58	0.58
Accrued Interest Receivable	2.65	2.63	2.63	2.02	1.83
Long-Term Deferred Tax Assets	-	0.34	-	-	-
Other Long-Term Assets	10.75	11.07	7.86	7.88	7.31
Total Assets	616.28	636.74	638.75	587.86	515.32
Interest Bearing Deposits	394.71	329.37	337.88	277.76	264.19
Institutional Deposits	-	51.2	48.4	42.4	20.1
Non-Interest Bearing Deposits	107.82	133.27	107.85	129.64	149.39
Total Deposits	502.54	513.83	494.13	449.8	433.69
Current Portion of Long-Term Debt	-	10	20	49.9	-
Current Portion of Leases	-	1.01	-	-	-
Long-Term Debt	11.82	11.79	13.71	13.67	13.8
Federal Home Loan Bank Debt, Long-Term	39.33	40.08	50.81	15	15
Long-Term Leases	5.31	5.16	6.67	7.09	5.76
Long-Term Deferred Tax Liabilities	-	-	0.32	0.5	-
Other Long-Term Liabilities	6.45	7.31	7.26	7.9	7.83
Total Liabilities	565.45	589.19	592.89	543.85	476.07
Common Stock	50.83	0.07	0.07	0.07	0.07
Additional Paid-In Capital	-	36.61	36.08	35.95	35.86
Retained Earnings	-	11.16	10.06	8.45	3.2
Comprehensive Income & Other	-	-0.29	-0.34	-0.47	0.12
Shareholders' Equity	50.83	47.55	45.86	44	39.25
Total Liabilities & Equity	616.28	636.74	638.75	587.86	515.32
Total Debt	56.46	68.04	91.19	85.66	34.56
Net Cash (Debt)	-19.81	-41.33	-58.46	-47.54	24.52
Net Cash Per Share	-2.86	-6.00	-8.62	-7.04	3.65
Filing Date Shares Outstanding	6.93	6.9	6.71	6.71	6.65
Total Common Shares Outstanding	6.93	6.9	6.71	6.71	6.65
Book Value Per Share	7.34	6.89	6.83	6.55	5.90
Tangible Book Value	50.25	46.97	45.28	43.42	38.67
Tangible Book Value Per Share	7.26	6.81	6.74	6.47	5.82

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