PFS Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	22.13	15.49	16.26	20.2	12.65	21.54
Investment Securities	30.54	32.62	36.29	38.06	28.33	33.26
Mortgage-Backed Securities	39.83	40.93	38.86	34.52	38.23	41.61
Total Investments	70.37	73.54	75.15	72.58	66.56	74.87
Gross Loans	109.94	109.71	96.97	91.39	85.46	81.41
Allowance for Loan Losses	-0.84	-0.84	-0.7	-0.68	-0.54	-0.57
Net Loans	109.1	108.87	96.27	90.72	84.92	80.84
Property, Plant & Equipment	1.96	1.99	2.1	2.04	2.15	2.16
Accrued Interest Receivable	0.71	0.76	0.73	0.69	0.59	0.57
Other Receivables	-	-	-	-	0.1	-
Long-Term Deferred Tax Assets	1.21	1.06	1.86	1.83	1.96	0.31
Other Long-Term Assets	4.87	4.85	4.92	5.06	4.86	4.94
Total Assets	210.71	206.91	197.64	193.45	174.13	185.56
Interest Bearing Deposits	134.62	129.1	123.44	114.85	112.36	113.6
Institutional Deposits	16.86	18.6	18.2	20.5	23.1	23.7
Non-Interest Bearing Deposits	18.67	18.78	17.95	20.81	17.25	18.61
Total Deposits	170.14	166.48	159.59	156.16	152.71	155.91
Short-Term Borrowings	-	-	-	-	-	5
Current Income Taxes Payable	0.47	0.34	0.17	0.26	-	0.05
Accrued Interest Payable	0.01	0	0.01	0	0.02	0
Other Long-Term Liabilities	1.12	1.04	1.2	1.11	1.27	1.15
Total Liabilities	171.73	167.86	160.96	157.53	154	162.12
Common Stock	0.02	0.02	0.02	0.02	-	-
Additional Paid-In Capital	15.75	15.71	15.6	15.61	-	-
Retained Earnings	27.69	27.37	25.7	24.8	23.83	23
Treasury Stock	-1.99	-1.79	-0.46	-0.4	-	-
Comprehensive Income & Other	-2.5	-2.25	-4.18	-4.1	-3.69	0.44
Shareholders' Equity	38.97	39.05	36.68	35.92	20.14	23.44
Total Liabilities & Equity	210.71	206.91	197.64	193.45	174.13	185.56
Total Debt	-	-	-	-	-	5
Net Cash (Debt)	26.65	21	23.61	28.29	14.88	18.52
Net Cash Growth	2.90%	-11.05%	-16.54%	90.17%	-19.69%	-
Net Cash Per Share	17.49	13.70	14.81	17.76	-	-
Filing Date Shares Outstanding	1.43	1.43	1.49	1.55	-	-
Total Common Shares Outstanding	1.43	1.44	1.55	1.55	-	-
Book Value Per Share	27.27	27.10	23.63	23.14	-	-
Tangible Book Value	38.97	39.05	36.68	35.92	20.14	23.44
Tangible Book Value Per Share	27.27	27.10	23.63	23.14	-	-