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	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	14.49	16.26	20.2	12.65	21.54
Investment Securities	34.61	36.29	38.06	28.33	33.26
Mortgage-Backed Securities	43.76	38.86	34.52	38.23	41.61
Total Investments	78.37	75.15	72.58	66.56	74.87
Gross Loans	106.33	96.97	91.39	85.46	81.41
Allowance for Loan Losses	-0.8	-0.7	-0.68	-0.54	-0.57
Net Loans	105.53	96.27	90.72	84.92	80.84
Property, Plant & Equipment	2.05	2.1	2.04	2.15	2.16
Accrued Interest Receivable	0.78	0.73	0.69	0.59	0.57
Other Receivables	-	-	-	0.1	-
Long-Term Deferred Tax Assets	1.41	1.86	1.83	1.96	0.31
Other Long-Term Assets	4.93	4.92	5.06	4.86	4.94
Total Assets	207.91	197.64	193.45	174.13	185.56
Interest Bearing Deposits	141.11	123.44	114.85	112.36	113.6
Institutional Deposits	15.23	18.2	20.5	23.1	23.7
Non-Interest Bearing Deposits	12.4	17.95	20.81	17.25	18.61
Total Deposits	168.74	159.59	156.16	152.71	155.91
Short-Term Borrowings	-	-	-	-	5
Current Income Taxes Payable	0.18	0.17	0.26	-	0.05
Accrued Interest Payable	0	0.01	0	0.02	0
Other Long-Term Liabilities	1.23	1.2	1.11	1.27	1.15
Total Liabilities	170.14	160.96	157.53	154	162.12
Common Stock	0.02	0.02	0.02	-	-
Additional Paid-In Capital	15.61	15.6	15.61	-	-
Retained Earnings	26.42	25.7	24.8	23.83	23
Treasury Stock	-1.11	-0.46	-0.4	-	-
Comprehensive Income & Other	-3.17	-4.18	-4.1	-3.69	0.44
Shareholders' Equity	37.77	36.68	35.92	20.14	23.44
Total Liabilities & Equity	207.91	197.64	193.45	174.13	185.56
Total Debt	-	-	-	-	5
Net Cash (Debt)	20.62	23.61	28.29	14.88	18.52
Net Cash Growth	-20.89%	-16.54%	90.17%	-19.69%	-
Net Cash Per Share	13.04	14.81	17.76	-	-
Filing Date Shares Outstanding	1.52	1.49	1.55	-	-
Total Common Shares Outstanding	1.49	1.55	1.55	-	-
Book Value Per Share	25.30	23.63	23.14	-	-
Tangible Book Value	37.77	36.68	35.92	20.14	23.44
Tangible Book Value Per Share	25.30	23.63	23.14	-	-

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