HCB Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	-	223.1	151.71	44.45	113.24	63.65
Investment Securities	-	53.71	69.39	86.46	81.66	58
Mortgage-Backed Securities	-	6.71	8.52	10.74	10.35	13.33
Total Investments	-	60.42	77.91	97.19	92.01	71.33
Gross Loans	-	327.18	315.9	313.38	239.91	243.6
Allowance for Loan Losses	-	-3.16	-2.92	-2.15	-2.07	-1.93
Net Loans	-	324.02	312.97	311.22	237.83	241.68
Property, Plant & Equipment	-	6.21	6.38	6.8	7.56	8.2
Accrued Interest Receivable	-	1.68	1.78	1.76	1.55	1.48
Other Real Estate Owned & Foreclosed	-	-	-	0.28	0.27	-
Other Long-Term Assets	-	10.96	9.17	8.93	7.78	7.15
Total Assets	-	627.9	561.43	472.14	461.81	395.06
Interest Bearing Deposits	-	450.82	378.18	318.03	311.36	258.13
Institutional Deposits	-	16.51	24.87	2.11	2.96	4.54
Non-Interest Bearing Deposits	-	108.12	104.12	98.6	86.53	70.94
Total Deposits	-	575.45	507.17	418.74	400.84	333.61
Accrued Interest Payable	-	0.36	0.73	0.03	0.04	0.09
Federal Home Loan Bank Debt, Long-Term	-	7	14	19	24	24
Other Long-Term Liabilities	-	2.73	2.31	1.46	1.57	1.6
Total Liabilities	-	585.54	524.2	439.23	426.45	359.3
Common Stock	-	1.55	1.58	1.58	1.58	1.62
Additional Paid-In Capital	-	2.49	2.53	2.53	2.53	2.6
Retained Earnings	-	40.54	36.41	32.89	30.77	30.03
Comprehensive Income & Other	-	-2.23	-3.29	-4.08	0.48	1.51
Shareholders' Equity	-	42.36	37.23	32.92	35.36	35.76
Total Liabilities & Equity	-	627.9	561.43	472.14	461.81	395.06
Total Debt	-	7	14	19	24	24
Net Cash (Debt)	-	219.28	144.28	32.48	97.42	49.32
Net Cash Growth	-	51.99%	344.23%	-66.66%	97.52%	430.38%
Net Cash Per Share	-	213.68	139.18	31.33	92.57	46.27
Filing Date Shares Outstanding	1	1.02	1.04	1.04	1.04	1.07
Total Common Shares Outstanding	1	1.02	1.04	1.04	1.04	1.07
Book Value Per Share	-	41.53	35.91	31.76	34.11	33.55
Tangible Book Value	-	42.36	37.23	32.92	35.36	35.76
Tangible Book Value Per Share	-	41.53	35.91	31.76	34.11	33.55

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.