Ottawa 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	21.34	24.32	17.01	13.4	10.92	8.23
Investment Securities	-	3.01	3.12	3.3	4.66	9.1
Mortgage-Backed Securities	15.62	12.99	13.7	15.48	16.49	23.85
Total Investments	15.62	16	16.82	18.78	21.15	32.95
Gross Loans	312.08	309.95	306.02	316.55	312.05	287.52
Allowance for Loan Losses	-4.06	-4.19	-4.28	-4.37	-4.3	-3.64
Net Loans	308.02	305.76	301.74	312.18	307.75	283.88
Property, Plant & Equipment	5.83	5.89	6.01	6	6.16	6.33
Goodwill	0.65	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	1.25	1.41	2.11	1.7	1.12	1.01
Long-Term Deferred Tax Assets	2.1	2.13	2.55	2.8	2.69	1.79
Other Long-Term Assets	4.66	5.05	5.15	8.38	7.19	7.18
Total Assets	360.85	362.59	353.65	363.92	357.7	342.53
Interest Bearing Deposits	272.24	215.93	213.28	210.75	227.15	219.05
Institutional Deposits	-	59.1	46.9	46.5	39.9	31.1
Non-Interest Bearing Deposits	23.04	23.09	22.63	23.84	22.63	22.9
Total Deposits	295.28	298.11	282.81	281.09	289.68	273.05
Short-Term Borrowings	-	-	3.25	3.25	8	-
Current Portion of Long-Term Debt	-	0.15	-	13	1	-
Accrued Interest Payable	0.54	0.55	0.85	0.32	0.12	0.05
Long-Term Debt	1.2	1.09	1.38	1.7	2.1	-
Federal Home Loan Bank Debt, Long-Term	15.86	15.86	19	14.5	9.75	16.52
Pension & Post-Retirement Benefits	-	0.31	0.33	0.36	0.4	0.44
Other Long-Term Liabilities	8.73	7.49	6.47	8.06	5.33	6.49
Total Liabilities	321.6	323.56	314.1	322.28	316.38	296.55
Common Stock	0.02	0.02	0.02	0.03	0.03	0.03
Additional Paid-In Capital	21.18	21.06	22.9	24.74	24.85	28.47
Retained Earnings	22.5	22.17	21.5	21.8	21.71	20.54
Treasury Stock	-2.67	-2.67	-2.23	-1.69	-1.82	-2.07
Comprehensive Income & Other	-1.79	-1.55	-2.64	-3.23	-3.45	-1
Shareholders' Equity	39.25	39.03	39.55	41.64	41.32	45.97
Total Liabilities & Equity	360.85	362.59	353.65	363.92	357.7	342.53
Total Debt	17.06	17.1	23.63	32.45	20.85	16.52
Net Cash (Debt)	4.28	7.22	-6.62	-19.05	-9.68	-8.04
Net Cash Per Share	1.83	3.07	-2.72	-7.59	-3.76	-2.85
Filing Date Shares Outstanding	2.24	2.28	2.38	2.48	2.48	2.71
Total Common Shares Outstanding	2.24	2.28	2.38	2.48	2.48	2.71
Book Value Per Share	17.51	17.15	16.59	16.76	16.66	16.94
Tangible Book Value	38.6	38.38	38.9	40.96	40.6	45.22
Tangible Book Value Per Share	17.22	16.86	16.32	16.48	16.37	16.66

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