FNRN 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	145.55	119.45	149.21	187.42	345.93
Investment Securities	258.08	284.89	273.65	307	248.08
Mortgage-Backed Securities	369.34	365.03	318.42	332.04	397.41
Total Investments	627.42	649.93	592.07	639.04	645.49
Gross Loans	1,065	1,063	1,069	984.93	867.9
Allowance for Loan Losses	-14.52	-15.89	-16.6	-14.79	-13.95
Other Adjustments to Gross Loans	-	-	-	-	-1.23
Net Loans	1,050	1,047	1,052	970.14	852.72
Property, Plant & Equipment	14.1	12.4	14.04	11.03	11.69
Other Intangible Assets	4.33	3.32	4.14	-	-
Loans Held for Sale	-	-	-	-	1.06
Accrued Interest Receivable	18.15	7.34	6.81	5.75	4.57
Other Current Assets	8.13	5.5	5.87	7.13	5.69
Long-Term Deferred Tax Assets	12.97	19.04	19.59	24.18	5.66
Other Real Estate Owned & Foreclosed	1.24	-	-	-	-
Other Long-Term Assets	17.71	17.37	17.12	17.25	19.19
Total Assets	1,911	1,892	1,872	1,871	1,899
Interest Bearing Deposits	993.39	988.14	921.32	942.46	896.89
Institutional Deposits	53.63	41.37	26.32	9.24	11
Non-Interest Bearing Deposits	632.13	670.58	744.8	775.17	820.41
Total Deposits	1,679	1,700	1,692	1,727	1,728
Current Portion of Leases	1.09	-	-	-	-
Accrued Interest Payable	0.72	1.22	1.57	0.09	0.04
Long-Term Leases	4.71	3.65	4.59	5.42	5.66
Pension & Post-Retirement Benefits	4.79	4.9	5.3	5.54	5.28
Other Long-Term Liabilities	8.49	5.54	8.69	8.4	8.89
Total Liabilities	1,699	1,715	1,713	1,746	1,748
Common Stock	134.57	127.9	123.24	116.1	109.79
Additional Paid-In Capital	0.98	0.98	0.98	0.98	0.98
Retained Earnings	91.95	81.3	68.76	54.49	44.34
Comprehensive Income & Other	-15.48	-33.85	-33.73	-46.53	-4.2
Shareholders' Equity	212.02	176.33	159.25	125.04	150.91
Total Liabilities & Equity	1,911	1,892	1,872	1,871	1,899
Total Debt	5.8	3.65	4.59	5.42	5.66
Net Cash (Debt)	149.94	131.88	164.34	202.94	353.54
Net Cash Growth	13.70%	-19.75%	-19.02%	-42.60%	29.67%
Net Cash Per Share	9.05	7.81	9.73	12.07	20.46
Filing Date Shares Outstanding	15.68	15.94	16.35	16.25	16.13
Total Common Shares Outstanding	16.41	16.74	17.07	16.96	16.83
Book Value Per Share	12.92	10.53	9.33	7.37	8.96
Tangible Book Value	207.69	173.01	155.1	125.04	150.91
Tangible Book Value Per Share	12.66	10.34	9.09	7.37	8.96

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