Neffs Bancorp 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	5.28	3.38	4.22	6.88	8.59
Investment Securities	143.89	145.2	143.61	146.18	158.24
Mortgage-Backed Securities	57.93	62.19	67.12	69.14	82.27
Total Investments	201.82	207.39	210.74	215.32	240.51
Gross Loans	253.75	238.64	233.34	237.33	208.53
Allowance for Loan Losses	-2.27	-2.27	-2.27	-2.25	-2.24
Net Loans	251.48	236.37	231.08	235.09	206.29
Property, Plant & Equipment	5.73	4.03	4.19	4.46	4.34
Long-Term Deferred Tax Assets	2.14	2.9	2.62	2.92	0.55
Other Real Estate Owned & Foreclosed	-	-	-	-	0.44
Other Long-Term Assets	2.63	2.45	2.32	2.27	1.53
Total Assets	470.74	457.47	455.78	468.21	462.75
Interest Bearing Deposits	252.41	259.79	267.95	239.67	252.57
Institutional Deposits	26.93	28.11	23.88	45.89	48.19
Non-Interest Bearing Deposits	80.01	80.62	81.52	86.01	77.25
Total Deposits	359.36	368.52	373.34	371.57	378.01
Short-Term Borrowings	7.2	18.4	7.67	21.88	-
Current Portion of Long-Term Debt	29	-	2.5	2	3
Current Portion of Leases	0.06	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	-	-	-	2.5	4.5
Long-Term Leases	1.62	1.74	1.8	1.86	1.92
Other Long-Term Liabilities	1.76	1.53	1.37	0.77	0.63
Total Liabilities	399	390.2	386.69	400.58	388.06
Preferred Stock, Convertible	0.01	0.01	0.01	0.01	0.01
Preferred Stock, Other	-0.53	-0.53	-0.53	-0.53	-0.48
Total Preferred Equity	-0.52	-0.52	-0.52	-0.52	-0.48
Common Stock	0.19	0.19	0.19	0.19	0.19
Additional Paid-In Capital	0.41	0.4	0.46	0.41	0.37
Retained Earnings	90.4	88.85	87.86	86.45	83.26
Treasury Stock	-12.05	-12.23	-10.47	-9.3	-8.27
Comprehensive Income & Other	-6.69	-9.42	-8.42	-9.59	-0.38
Total Common Equity	72.26	67.79	69.62	68.15	75.17
Shareholders' Equity	71.74	67.27	69.1	67.63	74.7
Total Liabilities & Equity	470.74	457.47	455.78	468.21	462.75
Total Debt	37.89	20.14	11.97	28.24	9.42
Net Cash (Debt)	-32.4	-16.56	-7.53	-18.77	21.11
Net Cash Growth	-	-	-	-	639.78%
Net Cash Per Share	-222.11	-114.06	-48.85	-119.70	133.18
Filing Date Shares Outstanding	0.15	0.15	0.15	0.16	0.16
Total Common Shares Outstanding	0.15	0.15	0.15	0.16	0.16
Book Value Per Share	494.51	466.11	455.53	436.61	475.45
Tangible Book Value	72.26	67.79	69.62	68.15	75.17
Tangible Book Value Per Share	494.51	466.11	455.53	436.61	475.45

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