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	128.43	138.78	161.44	189.98	208.79
Mortgage-Backed Securities	123.12	194.76	175.05	166.27	94
Total Investments	251.55	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	2.7	1.77	1.98	1.77	1.88
Loans Held for Sale	-	-	-	11.06	3.81
Accrued Interest Receivable	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	25.75	22.35	22.65	11.26	10.58
Total Assets	1,582	1,504	1,364	1,294	1,080
Interest Bearing Deposits	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	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	0.6	-	-	-	-
Accrued Interest Payable	1.35	0.59	0.54	0.28	0.23
Long-Term Debt	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	8.98	9.26	10.69	13.07	11.62
Total Liabilities	1,397	1,336	1,234	1,202	990.81
Common Stock	38.18	38.44	36.18	34.37	32.49
Retained Earnings	159.07	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	40.49	39.46	75.25	105.85	40.89
Net Cash (Debt)	59.27	25.68	-10.98	-45.9	-2.62
Net Cash Growth	130.80%	-	-	-	-
Net Cash Per Share	19.25	8.06	-3.45	-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.