FFB Bancorp 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	98.27	63.42	62.6	56.97	36.78
Investment Securities	252.46	141.05	161.44	189.98	208.79
Mortgage-Backed Securities	-	192.49	175.05	166.27	94
Total Investments	252.46	333.54	336.49	356.25	302.79
Gross Loans	1,196	1,071	928.34	845.46	726.25
Allowance for Loan Losses	-17.18	-11.83	-9.98	-9.91	-9.79
Other Adjustments to Gross Loans	-4.11	-4.2	-3.63	-2.91	-2.98
Net Loans	1,175	1,055	914.73	832.64	713.49
Property, Plant & Equipment	-	1.77	1.98	1.77	1.88
Loans Held for Sale	-	-	-	11.06	3.81
Accrued Interest Receivable	42.87	8.52	7.49	6.96	5.19
Long-Term Deferred Tax Assets	-	13.67	13.04	13.68	2.78
Other Long-Term Assets	12.8	22.35	22.65	11.26	10.58
Total Assets	1,582	1,504	1,364	1,294	1,080
Interest Bearing Deposits	557.4	375.54	306.87	318.57	321.25
Institutional Deposits	-	80.33	62.8	25.58	21.25
Non-Interest Bearing Deposits	786.25	828.51	775.51	737.08	594.04
Total Deposits	1,344	1,284	1,145	1,081	936.55
Current Portion of Leases	-	0.89	-	-	-
Accrued Interest Payable	-	2.06	1.96	0.28	0.23
Long-Term Debt	38.15	38.01	73.6	104.44	39.28
Long-Term Leases	-	0.56	-	1.41	1.6
Pension & Post-Retirement Benefits	-	0.24	0.35	1.68	1.54
Other Long-Term Liabilities	14.93	9.6	12.53	13.07	11.62
Total Liabilities	1,397	1,336	1,234	1,202	990.81
Common Stock	25.53	38.44	36.18	34.37	32.49
Retained Earnings	171.72	148.14	113.99	80.47	53.95
Comprehensive Income & Other	-12.46	-18.18	-19.47	-22.48	2.86
Shareholders' Equity	184.8	168.39	130.7	92.36	89.29
Total Liabilities & Equity	1,582	1,504	1,364	1,294	1,080
Total Debt	38.15	39.46	73.6	105.85	40.89
Net Cash (Debt)	61.6	25.68	-9.32	-45.9	-2.62
Net Cash Growth	139.89%	-	-	-	-
Net Cash Per Share	20.01	8.06	-2.93	-14.61	-0.84
Filing Date Shares Outstanding	3	3.18	3.17	3.14	3.07
Total Common Shares Outstanding	3	3.18	3.17	3.14	3.07
Book Value Per Share	61.64	53.02	41.21	29.41	29.08
Tangible Book Value	184.8	168.39	130.7	92.36	89.29
Tangible Book Value Per Share	61.64	53.02	41.21	29.41	29.08

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.