PFS Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	9.14	16.26	20.2	12.65	21.54
Investment Securities	33.07	36.29	38.06	28.33	33.26
Mortgage-Backed Securities	42.44	38.86	34.52	38.23	41.61
Total Investments	75.51	75.15	72.58	66.56	74.87
Gross Loans	109.8	96.97	91.39	85.46	81.41
Allowance for Loan Losses	-0.85	-0.7	-0.68	-0.54	-0.57
Net Loans	108.95	96.27	90.72	84.92	80.84
Property, Plant & Equipment	2.02	2.1	2.04	2.15	2.16
Accrued Interest Receivable	0.76	0.73	0.69	0.59	0.57
Other Receivables	-	-	-	0.1	-
Long-Term Deferred Tax Assets	1.26	1.86	1.83	1.96	0.31
Other Long-Term Assets	4.93	4.92	5.06	4.86	4.94
Total Assets	202.92	197.64	193.45	174.13	185.56
Interest Bearing Deposits	135.63	123.44	114.85	112.36	113.6
Institutional Deposits	15.7	18.2	20.5	23.1	23.7
Non-Interest Bearing Deposits	11.74	17.95	20.81	17.25	18.61
Total Deposits	163.06	159.59	156.16	152.71	155.91
Short-Term Borrowings	-	-	-	-	5
Current Income Taxes Payable	0.32	0.17	0.26	-	0.05
Accrued Interest Payable	0	0.01	0	0.02	0
Other Long-Term Liabilities	1.25	1.2	1.11	1.27	1.15
Total Liabilities	164.63	160.96	157.53	154	162.12
Common Stock	0.02	0.02	0.02	-	-
Additional Paid-In Capital	15.66	15.6	15.61	-	-
Retained Earnings	26.84	25.7	24.8	23.83	23
Treasury Stock	-1.7	-0.46	-0.4	-	-
Comprehensive Income & Other	-2.53	-4.18	-4.1	-3.69	0.44
Shareholders' Equity	38.29	36.68	35.92	20.14	23.44
Total Liabilities & Equity	202.92	197.64	193.45	174.13	185.56
Total Debt	-	-	-	-	5
Net Cash (Debt)	14.77	23.61	28.29	14.88	18.52
Net Cash Growth	-32.99%	-16.54%	90.17%	-19.69%	-
Net Cash Per Share	9.48	14.81	17.76	-	-
Filing Date Shares Outstanding	1.48	1.49	1.55	-	-
Total Common Shares Outstanding	1.45	1.55	1.55	-	-
Book Value Per Share	26.47	23.63	23.14	-	-
Tangible Book Value	38.29	36.68	35.92	20.14	23.44
Tangible Book Value Per Share	26.47	23.63	23.14	-	-

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