Potomac Bancshares 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	FY 2020
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	Dec '20 Dec 31, 2020
Cash & Equivalents	4.65	5.14	3.52	3.68	2.8	1.99
Investment Securities	193.39	75.25	93.71	46.78	121.48	64.3
Mortgage-Backed Securities	-	62	55.6	50.64	47.02	40.6
Total Investments	193.39	137.25	149.31	97.42	168.5	104.9
Gross Loans	724.61	705.21	652.28	623.48	518.28	495.07
Allowance for Loan Losses	-	-6.98	-6.67	-6.2	-5.5	-5.39
Other Adjustments to Gross Loans	-	-1.1	-0.92	-0.9	-1.3	-1.1
Net Loans	724.61	697.13	644.69	616.38	511.47	488.58
Property, Plant & Equipment	8.16	9.01	7.2	7.96	8.64	9.44
Loans Held for Sale	2.95	1.51	0.68	-	0.53	2.71
Accrued Interest Receivable	2.59	2.28	2	1.7	1.51	1.87
Other Long-Term Assets	23.73	22.92	21.75	27.6	17.25	10.75
Total Assets	962.01	877.35	830.71	756.05	711.39	620.91
Interest Bearing Deposits	629.06	534.27	522.76	463.4	451.62	401.97
Institutional Deposits	-	47.7	55.3	40.1	36.2	40.9
Non-Interest Bearing Deposits	204.36	172.39	161.62	161.97	141.27	105.67
Total Deposits	833.42	754.36	739.68	665.47	629.09	548.54
Short-Term Borrowings	3.01	3.17	2.84	15.9	7.05	2.99
Current Portion of Leases	-	0.35	-	-	-	-
Accrued Interest Payable	1.04	1.27	0.76	0.36	0.28	0.33
Other Current Liabilities	-	0.4	0.3	-	-	-
Long-Term Debt	10	9.96	9.9	9.84	9.79	9.73
Federal Home Loan Bank Debt, Long-Term	29	31	6	-	-	-
Long-Term Leases	-	0.61	1.29	1.57	1.84	2.14
Other Long-Term Liabilities	5.19	2.82	3.07	2.45	2.57	2.37
Total Liabilities	881.65	803.93	763.84	695.59	650.62	566.1
Common Stock	4.49	4.49	4.49	4.49	4.48	4.48
Additional Paid-In Capital	14.55	14.55	14.55	14.55	14.36	14.36
Retained Earnings	68.82	63.81	58.88	53.65	47.79	41.5
Treasury Stock	-3.49	-3.49	-3.49	-3.49	-3.49	-3.49
Comprehensive Income & Other	-4	-5.94	-7.56	-8.73	-2.36	-2.03
Shareholders' Equity	80.36	73.42	66.87	60.46	60.77	54.81
Total Liabilities & Equity	962.01	877.35	830.71	756.05	711.39	620.91
Total Debt	42.01	45.09	20.03	27.31	18.68	14.86
Net Cash (Debt)	77.81	19.68	48.68	-14.95	70.34	28.82
Net Cash Growth	-	-59.58%	-	-	144.06%	36.21%
Net Cash Per Share	18.77	4.75	11.74	-3.61	17.02	6.97
Filing Date Shares Outstanding	4.14	4.14	4.14	4.14	4.13	4.13
Total Common Shares Outstanding	4.14	4.14	4.14	4.14	4.13	4.13
Book Value Per Share	19.39	17.71	16.14	14.59	14.70	13.26
Tangible Book Value	80.36	73.42	66.87	60.46	60.77	54.81
Tangible Book Value Per Share	19.39	17.71	16.14	14.59	14.70	13.26

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.