Ledyard Financial Group 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	-	43.65	27.14	17.33	17.94	48.81
Investment Securities	322.56	225.95	267.54	266.58	316.06	201.37
Trading Asset Securities	-	3.87	5.27	8	1.06	0.46
Mortgage-Backed Securities	-	51.13	92.23	48.2	44.33	35.69
Total Investments	322.56	280.95	365.04	322.78	361.44	237.52
Gross Loans	647.31	579.72	418.77	362.06	362.68	372.34
Allowance for Loan Losses	-4.44	-3.76	-2.78	-3.84	-7.47	-7.96
Other Adjustments to Gross Loans	-	-	-	-	-	-0.42
Net Loans	642.87	575.96	415.99	358.21	355.21	363.96
Property, Plant & Equipment	64.61	13.06	13.12	18.78	17.84	18.74
Accrued Interest Receivable	-	3.92	3.9	3.27	3.25	3.03
Long-Term Deferred Tax Assets	-	11.44	10.33	9.6	0.88	0.61
Other Long-Term Assets	-1	21.48	20.6	13.49	14.58	12.04
Total Assets	1,029	950.47	856.11	743.46	771.14	684.71
Accrued Expenses	-	10.98	9.17	6.12	7.95	2.74
Interest Bearing Deposits	846.4	387.31	397.15	282.77	314.01	324.6
Institutional Deposits	-	62.62	48.79	6.21	6.84	8.43
Non-Interest Bearing Deposits	-	357.83	214.21	281.35	354.23	256.48
Total Deposits	846.4	807.76	660.16	570.33	675.08	589.51
Short-Term Borrowings	-	-	-	0.22	1.56	9.61
Current Portion of Long-Term Debt	-	26.48	-	-	-	-
Long-Term Debt	110.98	17.78	17.74	17.7	-	-
Federal Home Loan Bank Debt, Long-Term	-	30.04	111.8	87.98	5.63	6.73
Long-Term Leases	-	-	-	5.23	5.67	6.13
Other Long-Term Liabilities	12.24	0.88	1.23	2.89	2.55	3.1
Total Liabilities	969.63	893.93	800.09	690.47	698.44	617.82
Common Stock	75.34	1.18	1.16	1.15	1.16	1.15
Additional Paid-In Capital	-	16.02	15.62	15.17	14.77	13.81
Retained Earnings	-	55.9	55.49	54.41	50.24	45.15
Treasury Stock	-1.64	-1.64	-1.64	-1.64	-1.65	-1.77
Comprehensive Income & Other	-14.29	-14.92	-14.61	-16.09	8.19	8.53
Shareholders' Equity	59.41	56.54	56.02	53	72.71	66.88
Total Liabilities & Equity	1,029	950.47	856.11	743.46	771.14	684.71
Total Debt	110.98	74.3	129.54	111.12	12.85	22.47
Net Cash (Debt)	-110.98	-26.78	-97.13	-85.79	6.14	26.8
Net Cash Growth	-	-	-	-	-77.08%	-
Net Cash Per Share	-33.07	-8.05	-29.44	-26.16	1.88	8.38
Filing Date Shares Outstanding	3.46	3.41	3.37	3.35	3.35	3.32
Total Common Shares Outstanding	3.46	3.41	3.37	3.35	3.35	3.32
Book Value Per Share	17.16	16.58	16.64	15.83	21.70	20.13
Tangible Book Value	59.41	56.54	56.02	53	72.71	66.88
Tangible Book Value Per Share	17.16	16.58	16.64	15.83	21.70	20.13

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