Ottawa 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	23.18	17.01	13.4	10.92	8.23
Investment Securities	-	3.12	3.3	4.66	9.1
Mortgage-Backed Securities	16	13.7	15.48	16.49	23.85
Total Investments	16	16.82	18.78	21.15	32.95
Gross Loans	309.95	306.02	316.55	312.05	287.52
Allowance for Loan Losses	-4.19	-4.28	-4.37	-4.3	-3.64
Net Loans	305.76	301.74	312.18	307.75	283.88
Property, Plant & Equipment	5.89	6.01	6	6.16	6.33
Goodwill	0.65	0.65	0.65	0.65	0.65
Other Intangible Assets	-	-	0.03	0.07	0.1
Loans Held for Sale	-	0.23	-	-	0.4
Accrued Interest Receivable	1.41	2.11	1.7	1.12	1.01
Long-Term Deferred Tax Assets	2.13	2.55	2.8	2.69	1.79
Other Long-Term Assets	7.57	6.53	8.38	7.19	7.18
Total Assets	362.59	353.65	363.92	357.7	342.53
Interest Bearing Deposits	275.04	213.28	210.75	227.15	219.05
Institutional Deposits	-	46.9	46.5	39.9	31.1
Non-Interest Bearing Deposits	23.11	22.63	23.84	22.63	22.9
Total Deposits	298.15	282.81	281.09	289.68	273.05
Short-Term Borrowings	-	3.25	3.25	8	-
Current Portion of Long-Term Debt	-	-	13	1	-
Accrued Interest Payable	0.55	0.85	0.32	0.12	0.05
Long-Term Debt	1.24	1.38	1.7	2.1	-
Federal Home Loan Bank Debt, Long-Term	15.86	19	14.5	9.75	16.52
Pension & Post-Retirement Benefits	-	0.33	0.36	0.4	0.44
Other Long-Term Liabilities	7.19	5.83	8.06	5.33	6.49
Total Liabilities	322.99	313.45	322.28	316.38	296.55
Common Stock	0.02	0.02	0.03	0.03	0.03
Additional Paid-In Capital	21.06	22.9	24.74	24.85	28.47
Retained Earnings	22.17	21.5	21.8	21.71	20.54
Treasury Stock	-2.1	-1.58	-1.69	-1.82	-2.07
Comprehensive Income & Other	-1.55	-2.64	-3.23	-3.45	-1
Shareholders' Equity	39.6	40.2	41.64	41.32	45.97
Total Liabilities & Equity	362.59	353.65	363.92	357.7	342.53
Total Debt	17.1	23.63	32.45	20.85	16.52
Net Cash (Debt)	6.08	-6.62	-19.05	-9.68	-8.04
Net Cash Per Share	2.57	-2.72	-7.59	-3.76	-2.85
Filing Date Shares Outstanding	2.24	2.38	2.48	2.48	2.71
Total Common Shares Outstanding	2.24	2.38	2.48	2.48	2.71
Book Value Per Share	17.67	16.86	16.76	16.66	16.94
Tangible Book Value	38.95	39.55	40.96	40.6	45.22
Tangible Book Value Per Share	17.38	16.59	16.48	16.37	16.66

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