Ledyard Financial Group 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	83.19	43.65	27.14	17.33	17.94
Investment Securities	211.48	225.95	267.54	266.58	316.06
Trading Asset Securities	0.96	3.87	5.27	8	1.06
Mortgage-Backed Securities	43.34	51.13	92.23	48.2	44.33
Total Investments	255.77	280.95	365.04	322.78	361.44
Gross Loans	670.76	579.72	418.77	362.06	362.68
Allowance for Loan Losses	-4.59	-3.76	-2.78	-3.84	-7.47
Net Loans	666.17	575.96	415.99	358.21	355.21
Property, Plant & Equipment	13.38	13.06	13.12	18.78	17.84
Accrued Interest Receivable	4.39	3.92	3.9	3.27	3.25
Long-Term Deferred Tax Assets	11.09	11.44	10.33	9.6	0.88
Other Long-Term Assets	25.59	22.7	20.6	13.49	14.58
Total Assets	1,060	951.69	856.11	743.46	771.14
Accrued Expenses	12.02	10.98	9.17	6.12	7.95
Interest Bearing Deposits	415.14	387.31	397.15	282.77	314.01
Institutional Deposits	67.02	62.62	48.79	6.21	6.84
Non-Interest Bearing Deposits	397.06	357.83	214.21	281.35	354.23
Total Deposits	879.22	807.76	660.16	570.33	675.08
Short-Term Borrowings	-	-	-	0.22	1.56
Current Portion of Long-Term Debt	47.91	-	-	-	-
Long-Term Debt	17.82	17.78	17.74	17.7	-
Federal Home Loan Bank Debt, Long-Term	38.94	56.52	111.8	87.98	5.63
Long-Term Leases	-	-	-	5.23	5.67
Other Long-Term Liabilities	0.87	0.88	1.23	2.89	2.55
Total Liabilities	996.77	893.93	800.09	690.47	698.44
Common Stock	1.19	1.18	1.16	1.15	1.16
Additional Paid-In Capital	16.52	16.02	15.62	15.17	14.77
Retained Earnings	60.25	57.12	55.49	54.41	50.24
Treasury Stock	-1.64	-1.64	-1.64	-1.64	-1.65
Comprehensive Income & Other	-13.51	-14.92	-14.61	-16.09	8.19
Shareholders' Equity	62.81	57.76	56.02	53	72.71
Total Liabilities & Equity	1,060	951.69	856.11	743.46	771.14
Total Debt	104.66	74.3	129.54	111.12	12.85
Net Cash (Debt)	-20.52	-26.78	-97.13	-85.79	6.14
Net Cash Growth	-	-	-	-	-77.08%
Net Cash Per Share	-6.15	-8.07	-29.44	-26.16	1.88
Filing Date Shares Outstanding	3.46	3.41	3.37	3.35	3.35
Total Common Shares Outstanding	3.46	3.41	3.37	3.35	3.35
Book Value Per Share	18.15	16.93	16.64	15.83	21.70
Tangible Book Value	62.81	57.76	56.02	53	72.71
Tangible Book Value Per Share	18.15	16.93	16.64	15.83	21.70

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