Potomac Bancshares 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	3.6	5.14	3.52	3.68	2.8
Investment Securities	96.72	75.25	93.71	46.78	121.48
Mortgage-Backed Securities	60.49	62	55.6	50.64	47.02
Total Investments	157.21	137.25	149.31	97.42	168.5
Gross Loans	753	705.21	652.28	623.48	518.28
Allowance for Loan Losses	-7.8	-6.98	-6.67	-6.2	-5.5
Other Adjustments to Gross Loans	-1.4	-1.1	-0.92	-0.9	-1.3
Net Loans	743.81	697.13	644.69	616.38	511.47
Property, Plant & Equipment	9.6	9.01	7.2	7.96	8.64
Loans Held for Sale	2.8	1.51	0.68	-	0.53
Accrued Interest Receivable	2.31	2.28	2	1.7	1.51
Other Long-Term Assets	23.02	22.92	21.75	27.6	17.25
Total Assets	944.28	877.35	830.71	756.05	711.39
Interest Bearing Deposits	577.17	534.27	522.76	463.4	451.62
Institutional Deposits	52.4	47.7	55.3	40.1	36.2
Non-Interest Bearing Deposits	183.46	172.39	161.62	161.97	141.27
Total Deposits	813.03	754.36	739.68	665.47	629.09
Short-Term Borrowings	2.45	3.17	2.84	15.9	7.05
Current Portion of Leases	0.34	-	-	-	-
Accrued Interest Payable	1.05	1.27	0.76	0.36	0.28
Other Current Liabilities	0.43	0.4	0.3	-	-
Long-Term Debt	10	9.96	9.9	9.84	9.79
Federal Home Loan Bank Debt, Long-Term	29	31	6	-	-
Long-Term Leases	0.54	0.96	1.29	1.57	1.84
Other Long-Term Liabilities	5.01	2.82	3.07	2.45	2.57
Total Liabilities	861.84	803.93	763.84	695.59	650.62
Common Stock	4.49	4.49	4.49	4.49	4.48
Additional Paid-In Capital	14.55	14.55	14.55	14.55	14.36
Retained Earnings	70.65	63.81	58.88	53.65	47.79
Treasury Stock	-3.49	-3.49	-3.49	-3.49	-3.49
Comprehensive Income & Other	-3.75	-5.94	-7.56	-8.73	-2.36
Shareholders' Equity	82.44	73.42	66.87	60.46	60.77
Total Liabilities & Equity	944.28	877.35	830.71	756.05	711.39
Total Debt	42.32	45.09	20.03	27.31	18.68
Net Cash (Debt)	37.33	19.68	48.68	-14.95	70.34
Net Cash Growth	89.70%	-59.58%	-	-	144.06%
Net Cash Per Share	9.01	4.75	11.74	-3.61	17.02
Filing Date Shares Outstanding	4.14	4.14	4.14	4.14	4.13
Total Common Shares Outstanding	4.14	4.14	4.14	4.14	4.13
Book Value Per Share	19.89	17.71	16.14	14.59	14.70
Tangible Book Value	82.44	73.42	66.87	60.46	60.77
Tangible Book Value Per Share	19.89	17.71	16.14	14.59	14.70

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