M&F Bancorp 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	31.8	14.65	36.37	45.69	89.47	41.3
Investment Securities	191.71	194.48	45.06	61.05	42.36	21.91
Mortgage-Backed Securities	-	-	138.43	59.14	53.57	53.61
Total Investments	191.71	194.48	183.49	120.19	95.93	75.53
Gross Loans	273.42	279.07	284.03	269.08	246.91	231.91
Allowance for Loan Losses	-3.8	-4.53	-3.9	-3.99	-2.86	-2.27
Net Loans	269.62	274.53	280.13	265.1	244.05	229.64
Property, Plant & Equipment	4.82	4.95	4.78	4.21	4.06	3.25
Accrued Interest Receivable	2.26	2.49	2.15	1.54	1.32	0.87
Other Receivables	-	-	-	-	0	0.02
Long-Term Deferred Tax Assets	2.12	2.43	3.31	3.25	3.61	2.13
Other Real Estate Owned & Foreclosed	-	-	0.1	-	-	-
Other Long-Term Assets	14.83	14.41	14.36	12.97	12.36	12.16
Total Assets	517.52	508.31	525.01	453.26	451	365.06
Interest Bearing Deposits	280.68	276.65	271.81	196.83	203.65	187.34
Institutional Deposits	-	-	23.97	23.39	18.53	23.03
Non-Interest Bearing Deposits	96.34	91.88	94.99	100.72	105.22	106.66
Total Deposits	377.02	368.53	390.76	320.94	327.4	317.02
Current Portion of Leases	-	-	0.25	-	0.28	-
Long-Term Debt	0.02	0.02	-	-	0.03	0.13
Long-Term Leases	0.88	0.93	0.9	1.32	1.24	0.99
Pension & Post-Retirement Benefits	-	-	1.46	1.59	1.7	2.08
Other Long-Term Liabilities	6.07	4.97	3.56	4.2	2.29	1.95
Total Liabilities	383.98	374.46	396.93	328.06	332.94	322.16
Preferred Stock, Redeemable	-	17.3	17.3	17.3	17.3	17.3
Preferred Stock, Non-Redeemable	97.3	80	80	80	80	-
Total Preferred Equity	97.3	97.3	97.3	97.3	97.3	17.3
Common Stock	8.43	8.37	9.19	9	8.87	8.82
Retained Earnings	33.4	33.05	31.16	27.91	23.01	18.91
Comprehensive Income & Other	-5.59	-4.87	-9.59	-9.01	-11.12	-2.13
Total Common Equity	36.24	36.55	30.77	27.9	20.76	25.6
Shareholders' Equity	133.54	133.85	128.07	125.2	118.06	42.9
Total Liabilities & Equity	517.52	508.31	525.01	453.26	451	365.06
Total Debt	0.9	0.95	1.16	1.32	1.56	1.12
Net Cash (Debt)	33.08	15.87	38.18	47.82	91.61	43.38
Net Cash Growth	-1.72%	-58.42%	-20.17%	-47.80%	111.17%	-7.33%
Net Cash Per Share	16.88	8.05	19.09	23.87	46.16	21.96
Filing Date Shares Outstanding	1.94	1.98	1.98	1.98	1.98	1.98
Total Common Shares Outstanding	1.94	1.98	1.98	1.98	1.98	1.98
Book Value Per Share	18.71	18.43	15.52	14.08	10.48	12.93
Tangible Book Value	36.24	36.55	30.77	27.9	20.76	25.6
Tangible Book Value Per Share	18.71	18.43	15.52	14.08	10.48	12.93

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