PB Financial Corporation (PBNC)

PB Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	13.3	29.71	14.79	14.59	20.65	38.27
Investment Securities	194.29	70.77	74.41	77.91	83.52	57.71
Mortgage-Backed Securities	-	77.6	49.68	30.53	26.71	30.47
Total Investments	194.29	148.38	124.09	108.44	110.24	88.19
Gross Loans	1,260	1,182	1,130	828.96	688.75	551.48
Allowance for Loan Losses	-10.89	-10.49	-10.21	-6.74	-6.14	-5.54
Other Adjustments to Gross Loans	-	-1.72	-1.15	-1.16	-1.04	-0.82
Net Loans	1,249	1,170	1,119	821.06	681.56	545.12
Property, Plant & Equipment	3.68	5.55	5.6	2.51	2.46	2.51
Goodwill	9.88	9.88	9.29	4.06	4.06	4.06
Accrued Interest Receivable	-	5.44	5.18	4.06	3.14	1.88
Other Long-Term Assets	40.51	33.85	36.88	24.47	23.73	19.59
Total Assets	1,514	1,405	1,317	982.39	849.17	701.42

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	8.05	5.93	5.59	4.83	3.28
Interest Bearing Deposits	1,291	872.12	842.13	634.86	515.29	426.43
Institutional Deposits	-	132.5	104.7	61.9	50.9	39.2
Non-Interest Bearing Deposits	-	181.66	168.32	106.78	107.83	107.48
Total Deposits	1,291	1,186	1,115	803.54	674.02	573.11
Short-Term Borrowings	-	5	5.12	10.46	68.65	12.91
Current Portion of Leases	-	0.43	-	-	-	-
Accrued Interest Payable	-	2.15	2.54	1.94	0.96	0.49
Long-Term Debt	23.62	23.59	23.91	23.83	23.75	11.93
Federal Home Loan Bank Debt, Long-Term	25	20	25	45	5	30
Long-Term Leases	-	1.55	1.81	0.1	0.2	0.14
Trust Preferred Securities	4.56	4.53	4.47	4.41	4.35	4.29
Total Liabilities	1,356	1,252	1,184	894.86	781.76	636.15

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Preferred Stock, Non-Redeemable	17.92	17.92	17.92	-	-	-
Total Preferred Equity	17.92	17.92	17.92	-	-	-
Common Stock	3.02	2.98	2.91	2.5	2.25	2.21
Additional Paid-In Capital	57.22	55.93	54.93	38.01	29.08	28.22
Retained Earnings	85.86	80.87	66.2	56.23	46.76	35.25
Comprehensive Income & Other	-5.94	-4.63	-8.68	-9.21	-10.69	-0.41
Total Common Equity	140.16	135.15	115.36	87.53	67.41	65.27
Shareholders' Equity	158.08	153.07	133.29	87.53	67.41	65.27
Total Liabilities & Equity	1,514	1,405	1,317	982.39	849.17	701.42

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	53.18	55.1	60.31	83.8	101.95	59.27
Net Cash (Debt)	-13.31	-20.49	-35.48	-58.82	-71.4	-16.73
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-4.30	-6.75	-12.38	-24.39	-31.19	-7.41
Filing Date Shares Outstanding	3.02	2.98	2.91	2.5	2.25	2.21
Total Common Shares Outstanding	3.02	2.98	2.91	2.5	2.25	2.21
Book Value Per Share	46.39	45.40	39.63	35.08	29.93	29.57
Tangible Book Value	126.77	125.27	106.08	83.46	63.35	61.21
Tangible Book Value Per Share	41.96	42.08	36.44	33.45	28.13	27.73

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 26, 2026

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