Pioneer Bankshares 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	3.43	4.58	4	4.47	5.49
Investment Securities	46.49	69.31	69.62	72.78	98.22
Mortgage-Backed Securities	8.03	1.35	1.58	1.79	2.48
Total Investments	54.52	70.67	71.2	74.57	100.69
Gross Loans	290.86	262.99	240.19	208.08	179.26
Allowance for Loan Losses	-2.54	-2.55	-2.35	-2.12	-2.33
Other Adjustments to Gross Loans	-0.61	-0.35	-0.4	-0.27	-0.25
Net Loans	287.7	260.09	237.44	205.7	176.68
Property, Plant & Equipment	3.59	3.58	3.84	4.04	4.38
Goodwill	-	0.36	0.36	0.36	0.36
Accrued Interest Receivable	1.35	1.17	1.06	0.93	0.81
Long-Term Deferred Tax Assets	-	-	1.26	1.61	-
Other Long-Term Assets	2.36	2.6	1.7	1.33	1.73
Total Assets	354.63	344.92	322.13	293.3	290.41
Accrued Expenses	1.79	1.55	1.5	1.06	0.65
Interest Bearing Deposits	150.6	149.56	143.98	137.28	155.38
Institutional Deposits	39.3	36.5	30.1	24.3	2.9
Non-Interest Bearing Deposits	91.08	85.6	89.68	95.77	94.06
Total Deposits	280.98	271.66	263.76	257.35	252.33
Current Portion of Leases	0.08	0.03	-	-	-
Federal Home Loan Bank Debt, Long-Term	30	34.5	22.5	2.5	2.5
Long-Term Leases	0.03	-	0.12	0.06	0.1
Other Long-Term Liabilities	0.01	0.02	0.01	-	-
Total Liabilities	312.9	307.75	287.89	260.97	255.58
Common Stock	0.5	0.5	0.5	0.5	0.5
Retained Earnings	42.09	39.08	37.33	36.84	35.05
Comprehensive Income & Other	-0.87	-2.42	-3.57	-5.01	-0.72
Shareholders' Equity	41.73	37.16	34.25	32.33	34.83
Total Liabilities & Equity	354.63	344.92	322.13	293.3	290.41
Total Debt	30.12	34.53	22.62	2.56	2.6
Net Cash (Debt)	-16.64	-3.28	0.44	13.22	36.28
Net Cash Growth	-	-	-96.67%	-63.55%	-3.53%
Net Cash Per Share	-16.61	-3.29	0.44	13.22	36.58
Filing Date Shares Outstanding	1	1	0.99	1	1
Total Common Shares Outstanding	1	1	0.99	1	1
Book Value Per Share	41.62	37.18	34.55	32.22	34.96
Tangible Book Value	41.73	36.8	33.89	31.97	34.47
Tangible Book Value Per Share	41.62	36.82	34.19	31.86	34.60

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