M&F Bancorp, Inc. (MFBP)

M&F Bancorp Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	18.91	14.65	36.37	45.69	89.47	41.3
Investment Securities	187.42	50.57	45.06	61.05	42.36	21.91
Mortgage-Backed Securities	-	143.91	138.43	59.14	53.57	53.61
Total Investments	187.42	194.48	183.49	120.19	95.93	75.53
Gross Loans	276.4	279.07	284.03	269.08	246.91	231.91
Allowance for Loan Losses	-3.95	-4.53	-3.9	-3.99	-2.86	-2.27
Net Loans	272.46	274.53	280.13	265.1	244.05	229.64
Property, Plant & Equipment	5.02	4.95	4.78	4.21	4.06	3.25
Accrued Interest Receivable	2.38	2.49	2.15	1.54	1.32	0.87
Other Receivables	-	-	-	-	0	0.02
Long-Term Deferred Tax Assets	2.16	2.07	3.31	3.25	3.61	2.13
Other Real Estate Owned & Foreclosed	-	-	0.1	-	-	-
Other Long-Term Assets	14.83	14.8	14.36	12.97	12.36	12.16
Total Assets	503.53	508.34	525.01	453.26	451	365.06

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	279.27	254.7	271.81	196.83	203.65	187.34
Institutional Deposits	-	21.95	23.97	23.39	18.53	23.03
Non-Interest Bearing Deposits	84.63	91.88	94.99	100.72	105.22	106.66
Total Deposits	363.9	368.53	390.76	320.94	327.4	317.02
Current Portion of Leases	-	0.25	-	-	0.28	-
Long-Term Debt	-	-	-	-	0.03	0.13
Long-Term Leases	0.84	0.7	1.16	1.32	1.24	0.99
Pension & Post-Retirement Benefits	-	1.43	1.46	1.59	1.7	2.08
Other Long-Term Liabilities	5.45	3.57	3.56	4.2	2.29	1.95
Total Liabilities	370.18	374.49	396.93	328.06	332.94	322.16

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Preferred Stock, Redeemable	17.3	17.3	17.3	17.3	17.3	17.3
Preferred Stock, Non-Redeemable	80	80	80	80	80	-
Total Preferred Equity	97.3	97.3	97.3	97.3	97.3	17.3
Common Stock	8.45	8.37	9.19	9	8.87	8.82
Retained Earnings	33.64	33.05	31.16	27.91	23.01	18.91
Comprehensive Income & Other	-6.05	-4.87	-9.59	-9.01	-11.12	-2.13
Total Common Equity	36.04	36.55	30.77	27.9	20.76	25.6
Shareholders' Equity	133.34	133.85	128.07	125.2	118.06	42.9
Total Liabilities & Equity	503.53	508.34	525.01	453.26	451	365.06

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	0.84	0.95	1.16	1.32	1.56	1.12
Net Cash (Debt)	19.75	15.87	38.18	47.82	91.61	43.38
Net Cash Growth	-39.56%	-58.42%	-20.17%	-47.80%	111.17%	-7.33%
Net Cash Per Share	10.08	8.05	19.09	23.87	46.16	21.96
Filing Date Shares Outstanding	1.94	1.93	1.98	1.98	1.98	1.98
Total Common Shares Outstanding	1.94	1.93	1.98	1.98	1.98	1.98
Book Value Per Share	18.61	18.91	15.52	14.08	10.48	12.93
Tangible Book Value	36.04	36.55	30.77	27.9	20.76	25.6
Tangible Book Value Per Share	18.61	18.91	15.52	14.08	10.48	12.93

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 21, 2026

Data Sources Report a data error