First Reliance Bancshares 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	30.71	32.13	47.23	21.94	33.8	150.12
Investment Securities	204.57	197.81	90.78	78.52	95.33	37.15
Trading Asset Securities	-	-	0.25	0.28	0.09	0.85
Mortgage-Backed Securities	-	-	85.26	93.06	67.21	45.08
Total Investments	204.57	197.81	176.29	171.87	162.64	83.08
Gross Loans	801.24	779.94	753.74	705.67	661.25	586.45
Allowance for Loan Losses	-9.11	-8.83	-8.43	-8.39	-7.66	-7.04
Net Loans	792.14	771.11	745.3	697.28	653.59	579.41
Property, Plant & Equipment	24.45	24.35	25.51	27.64	28.79	29.44
Goodwill	-	-	0.69	0.69	0.69	0.69
Other Intangible Assets	-	-	0.03	0.07	0.15	0.24
Loans Held for Sale	15.64	12.28	20.97	7.16	7.94	23.84
Accrued Interest Receivable	-	-	3.96	3.45	2.77	1.7
Long-Term Deferred Tax Assets	6.44	6.12	7.71	7.78	8.63	4.13
Other Real Estate Owned & Foreclosed	-	0.01	-	-	-	0.14
Other Long-Term Assets	44.44	49.56	38.72	35.38	36.4	37.22
Total Assets	1,118	1,093	1,067	974.16	937.11	910.8
Interest Bearing Deposits	628.7	654.08	682.74	607.19	519.61	515.95
Institutional Deposits	52.76	39.42	41.2	40.81	23.15	26.87
Non-Interest Bearing Deposits	247.58	254.62	227.47	210.6	255.43	238.02
Total Deposits	929.05	948.12	951.41	858.6	798.18	780.83
Short-Term Borrowings	60	-	-	5.45	37.37	11.38
Current Portion of Leases	-	-	0.75	-	-	-
Accrued Interest Payable	-	-	1.08	1.08	0.33	0.14
Long-Term Debt	9.48	9.48	15.44	15.41	15.38	15.35
Federal Home Loan Bank Debt, Long-Term	-	20	-	-	-	10
Long-Term Leases	-	-	4.22	5.59	6.2	6.78
Trust Preferred Securities	10.31	10.31	10.31	10.31	10.31	10.31
Other Long-Term Liabilities	13.67	12.39	6.14	6.32	6.05	5.2
Total Liabilities	1,023	1,000	989.35	902.76	873.82	840
Preferred Stock, Convertible	0	0	0	0	0	0
Total Preferred Equity	0	0	0	0	0	0
Common Stock	0.09	0.09	0.09	0.09	0.09	0.09
Additional Paid-In Capital	57.03	56.87	55.79	55.47	53.97	53.86
Retained Earnings	54.01	50.58	39.67	33.75	29.92	23.99
Treasury Stock	-8.54	-8.09	-5.7	-4.82	-4.5	-4.32
Comprehensive Income & Other	-6.71	-6.39	-12.09	-13.09	-16.17	-2.81
Total Common Equity	95.88	93.07	77.76	71.4	63.3	70.8
Shareholders' Equity	95.88	93.07	77.76	71.4	63.3	70.8
Total Liabilities & Equity	1,118	1,093	1,067	974.16	937.11	910.8
Total Debt	79.79	39.79	30.72	36.76	69.26	53.82
Net Cash (Debt)	-49.08	-7.65	16.76	-14.54	-35.11	97.41
Net Cash Growth	-	-	-	-	-	62.86%
Net Cash Per Share	-5.90	-0.92	2.02	-1.78	-4.32	11.96
Filing Date Shares Outstanding	7.89	7.83	8.03	8.14	8.14	8.26
Total Common Shares Outstanding	7.89	7.83	8.03	8.14	8.14	8.26
Book Value Per Share	12.15	11.88	9.68	8.77	7.78	8.57
Tangible Book Value	95.88	93.07	77.04	70.63	62.46	69.87
Tangible Book Value Per Share	12.15	11.88	9.59	8.68	7.67	8.46

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