Oakworth Capital 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	196.27	13.36	14.07	13.01	8.27
Investment Securities	201.68	205.17	248.66	271.78	420.03
Trading Asset Securities	-	0.81	1.9	0.47	1.17
Mortgage-Backed Securities	-	66.32	43.71	38.63	10.67
Total Investments	201.68	272.31	294.27	310.88	431.87
Gross Loans	1,604	1,459	1,248	977.67	748.32
Allowance for Loan Losses	-19.35	-16.33	-14.65	-11.69	-9.32
Other Adjustments to Gross Loans	-	-2.74	-2.53	-1.77	-1.24
Net Loans	1,585	1,440	1,231	964.21	737.77
Property, Plant & Equipment	3.63	16.31	18.04	15.45	3.52
Goodwill	-	-	-	-	0.45
Accrued Interest Receivable	7.25	6.68	6.28	4.26	2.38
Other Real Estate Owned & Foreclosed	-	5.37	-	-	-
Other Long-Term Assets	52.72	34.94	31.95	29.65	23.31
Total Assets	2,046	1,789	1,595	1,337	1,208
Interest Bearing Deposits	1,526	1,302	1,076	843.94	733.47
Institutional Deposits	-	19.76	26.93	17.46	41.2
Non-Interest Bearing Deposits	304.68	274.87	320.15	316.2	320.56
Total Deposits	1,831	1,597	1,424	1,178	1,095
Short-Term Borrowings	-	5.81	1.9	0.47	1.17
Current Portion of Leases	-	1.71	-	-	-
Accrued Interest Payable	1.22	1.15	1.07	0.84	0.04
Long-Term Debt	38.83	34.3	34.2	34.11	-
Long-Term Leases	-	10.69	13.63	12.61	-
Other Long-Term Liabilities	26.52	13.75	10.82	8.06	6.83
Total Liabilities	1,898	1,664	1,485	1,234	1,103
Common Stock	148.66	24.89	24.56	24.37	24.36
Additional Paid-In Capital	-	39.62	37.08	34.96	33.83
Retained Earnings	-	71.79	58.25	55.78	46.47
Treasury Stock	-	-0.57	-0.12	-0.47	-1.72
Comprehensive Income & Other	-	-10.93	-9.52	-10.88	1.35
Shareholders' Equity	148.66	124.8	110.25	103.76	104.29
Total Liabilities & Equity	2,046	1,789	1,595	1,337	1,208
Total Debt	38.83	52.51	49.73	47.19	1.17
Net Cash (Debt)	157.44	74.27	114.66	144.41	332.99
Net Cash Growth	111.98%	-35.23%	-20.60%	-56.63%	178.22%
Net Cash Per Share	31.39	15.21	23.59	29.38	68.50
Filing Date Shares Outstanding	5.04	4.9	4.88	4.86	4.81
Total Common Shares Outstanding	5.04	4.9	4.88	4.86	4.81
Book Value Per Share	29.49	25.45	22.61	21.37	21.68
Tangible Book Value	148.66	124.8	110.25	103.76	103.84
Tangible Book Value Per Share	29.49	25.45	22.61	21.37	21.59

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.