FFB 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	42.97	98.27	63.42	62.6	56.97	36.78
Investment Securities	263.37	128.43	138.78	161.44	189.98	208.79
Mortgage-Backed Securities	-	123.12	194.76	175.05	166.27	94
Total Investments	263.37	251.55	333.54	336.49	356.25	302.79
Gross Loans	1,210	1,196	1,071	928.34	845.46	726.25
Allowance for Loan Losses	-17	-17.18	-11.83	-9.98	-9.91	-9.79
Other Adjustments to Gross Loans	-3.58	-4.11	-4.2	-3.63	-2.91	-2.98
Net Loans	1,190	1,175	1,055	914.73	832.64	713.49
Property, Plant & Equipment	-	2.7	1.77	1.98	1.77	1.88
Loans Held for Sale	18.33	-	-	-	11.06	3.81
Accrued Interest Receivable	46.18	9.23	8.52	7.49	6.96	5.19
Long-Term Deferred Tax Assets	-	12.17	13.67	13.04	13.68	2.78
Other Long-Term Assets	12.9	25.75	22.35	22.65	11.26	10.58
Total Assets	1,574	1,582	1,504	1,364	1,294	1,080
Interest Bearing Deposits	600.93	427.26	375.54	306.87	318.57	321.25
Institutional Deposits	-	130.13	80.33	62.8	25.58	21.25
Non-Interest Bearing Deposits	740.01	786.25	828.51	775.51	737.08	594.04
Total Deposits	1,341	1,344	1,284	1,145	1,081	936.55
Current Portion of Leases	-	0.6	-	-	-	-
Accrued Interest Payable	-	1.35	0.59	0.54	0.28	0.23
Long-Term Debt	9.9	38.15	38.01	73.6	104.44	39.28
Long-Term Leases	-	1.74	1.45	1.65	1.41	1.6
Pension & Post-Retirement Benefits	-	2.27	2.06	1.96	1.68	1.54
Other Long-Term Liabilities	14.82	8.98	9.26	10.69	13.07	11.62
Total Liabilities	1,391	1,397	1,336	1,234	1,202	990.81
Common Stock	38.24	38.18	38.44	36.18	34.37	32.49
Retained Earnings	159.08	159.07	148.14	113.99	80.47	53.95
Comprehensive Income & Other	-14.47	-12.46	-18.18	-19.47	-22.48	2.86
Shareholders' Equity	182.84	184.8	168.39	130.7	92.36	89.29
Total Liabilities & Equity	1,574	1,582	1,504	1,364	1,294	1,080
Total Debt	34.9	40.49	39.46	75.25	105.85	40.89
Net Cash (Debt)	8.08	59.27	25.68	-10.98	-45.9	-2.62
Net Cash Growth	-85.77%	130.80%	-	-	-	-
Net Cash Per Share	2.66	19.25	8.06	-3.45	-14.61	-0.84
Filing Date Shares Outstanding	2.96	3	3.18	3.17	3.14	3.07
Total Common Shares Outstanding	2.96	3	3.18	3.17	3.14	3.07
Book Value Per Share	61.85	61.64	53.02	41.21	29.41	29.08
Tangible Book Value	182.84	184.8	168.39	130.7	92.36	89.29
Tangible Book Value Per Share	61.85	61.64	53.02	41.21	29.41	29.08

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