Pacific Financial Corporation (PFLC)

Pacific 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	14.69	113.81	79.15	106.82	314.24	386.37
Investment Securities	180.92	102.59	110.29	126.44	150.13	129.91
Mortgage-Backed Securities	233.62	222.66	196.9	170.17	143	109.49
Total Investments	414.53	325.25	307.19	296.61	293.13	239.4
Gross Loans	770.46	775.85	704.87	685.35	640.72	629.76
Allowance for Loan Losses	-8.91	-9.29	-8.85	-8.53	-8.24	-8.3
Other Adjustments to Gross Loans	-0.52	-0.59	-0.62	-0.8	-0.76	-1.43
Net Loans	761.03	765.97	695.4	676.02	631.72	620.04
Property, Plant & Equipment	15.67	16.13	16.95	15.58	13.95	14.47
Goodwill	-	12.17	12.17	12.17	12.17	12.17
Other Intangible Assets	13.44	1.27	1.27	1.27	1.27	1.28
Loans Held for Sale	-	-	-	1.1	-	6.1
Accrued Interest Receivable	-	4.96	4.16	4.43	4.04	3.36
Other Current Assets	-	3.5	3.76	2.83	3.68	10.72
Long-Term Deferred Tax Assets	-	3.24	5.19	4.57	5.23	-
Other Long-Term Assets	45.27	28.82	28.33	27.5	26.78	26.07
Total Assets	1,265	1,275	1,154	1,149	1,306	1,320

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	-	8.84	7.39	8.79	8	8.06
Interest Bearing Deposits	701.8	642.22	586.46	563.52	662.93	673.99
Institutional Deposits	-	74.8	52.4	36.5	9.8	12.8
Non-Interest Bearing Deposits	411.09	405.91	375.88	409.27	507.64	492.15
Total Deposits	1,113	1,123	1,015	1,009	1,180	1,179
Current Portion of Leases	-	0.84	-	-	-	-
Accrued Interest Payable	-	0.13	0.14	0.16	0.13	0.04
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	-	0.4
Long-Term Leases	-	2.58	4.04	2.57	1.15	1.48
Trust Preferred Securities	13.4	13.4	13.4	13.4	13.4	13.4
Total Liabilities	1,138	1,149	1,040	1,034	1,203	1,202

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
Common Stock	139.14	10.02	10.11	10.39	10.41	10.39
Additional Paid-In Capital	-	37.82	38.82	41.79	42.07	41.88
Retained Earnings	-	88.26	82.23	78.47	69.84	64.36
Comprehensive Income & Other	-12.68	-9.72	-17.3	-15.96	-19.16	1.01
Shareholders' Equity	126.46	126.39	113.86	114.69	103.16	117.64
Total Liabilities & Equity	1,265	1,275	1,154	1,149	1,306	1,320

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	13.4	16.82	17.44	15.97	14.55	15.29
Net Cash (Debt)	80.91	97.98	62.71	92.1	303.93	374.33
Net Cash Growth	-5.29%	56.25%	-31.91%	-69.70%	-18.80%	75.77%
Net Cash Per Share	8.07	9.75	6.08	8.83	29.16	35.85
Filing Date Shares Outstanding	10.03	10.02	10.11	10.39	10.41	10.39
Total Common Shares Outstanding	10.03	10.02	10.11	10.39	10.41	10.39
Book Value Per Share	12.61	12.61	11.26	11.04	9.91	11.32
Tangible Book Value	113.02	112.95	100.42	101.26	89.73	104.2
Tangible Book Value Per Share	11.27	11.27	9.93	9.75	8.62	10.03

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:

Oct 2, 2026

Data Sources Report a data error