PFS 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	15.49	16.26	20.2	12.65	21.54
Investment Securities	73.54	36.29	38.06	28.33	33.26
Mortgage-Backed Securities	-	38.86	34.52	38.23	41.61
Total Investments	73.54	75.15	72.58	66.56	74.87
Gross Loans	-	96.97	91.39	85.46	81.41
Allowance for Loan Losses	-	-0.7	-0.68	-0.54	-0.57
Net Loans	-	96.27	90.72	84.92	80.84
Property, Plant & Equipment	1.99	2.1	2.04	2.15	2.16
Loans Held for Sale	108.87	-	-	-	-
Accrued Interest Receivable	0.76	0.73	0.69	0.59	0.57
Other Receivables	-	-	-	0.1	-
Long-Term Deferred Tax Assets	1.06	1.86	1.83	1.96	0.31
Other Long-Term Assets	4.85	4.92	5.06	4.86	4.94
Total Assets	206.91	197.64	193.45	174.13	185.56
Interest Bearing Deposits	147.7	123.44	114.85	112.36	113.6
Institutional Deposits	-	18.2	20.5	23.1	23.7
Non-Interest Bearing Deposits	18.78	17.95	20.81	17.25	18.61
Total Deposits	166.48	159.59	156.16	152.71	155.91
Short-Term Borrowings	-	-	-	-	5
Current Income Taxes Payable	0.34	0.17	0.26	-	0.05
Accrued Interest Payable	0.35	0.01	0	0.02	0
Other Long-Term Liabilities	0.69	1.2	1.11	1.27	1.15
Total Liabilities	167.86	160.96	157.53	154	162.12
Common Stock	0.02	0.02	0.02	-	-
Additional Paid-In Capital	15.71	15.6	15.61	-	-
Retained Earnings	27.37	25.7	24.8	23.83	23
Treasury Stock	-1.79	-0.46	-0.4	-	-
Comprehensive Income & Other	-2.25	-4.18	-4.1	-3.69	0.44
Shareholders' Equity	39.05	36.68	35.92	20.14	23.44
Total Liabilities & Equity	206.91	197.64	193.45	174.13	185.56
Total Debt	-	-	-	-	5
Net Cash (Debt)	15.49	23.61	28.29	14.88	18.52
Net Cash Growth	-34.37%	-16.54%	90.17%	-19.69%	-
Net Cash Per Share	10.11	14.81	17.76	-	-
Filing Date Shares Outstanding	1.56	1.49	1.55	-	-
Total Common Shares Outstanding	1.56	1.55	1.55	-	-
Book Value Per Share	25.00	23.63	23.14	-	-
Tangible Book Value	39.05	36.68	35.92	20.14	23.44
Tangible Book Value Per Share	25.00	23.63	23.14	-	-

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