Potomac Bancshares 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	6.13	3.6	5.14	3.52	3.68	2.8
Investment Securities	180.75	96.72	75.25	93.71	46.78	121.48
Mortgage-Backed Securities	-	60.49	62	55.6	50.64	47.02
Total Investments	180.75	157.21	137.25	149.31	97.42	168.5
Gross Loans	750.55	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	750.55	743.81	697.13	644.69	616.38	511.47
Property, Plant & Equipment	8.73	9.6	9.01	7.2	7.96	8.64
Loans Held for Sale	1.77	2.8	1.51	0.68	-	0.53
Accrued Interest Receivable	2.72	2.31	2.28	2	1.7	1.51
Other Long-Term Assets	23.34	23.02	22.92	21.75	27.6	17.25
Total Assets	975.85	944.28	877.35	830.71	756.05	711.39
Interest Bearing Deposits	657.67	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	187.72	183.46	172.39	161.62	161.97	141.27
Total Deposits	845.38	813.03	754.36	739.68	665.47	629.09
Short-Term Borrowings	2.24	2.45	3.17	2.84	15.9	7.05
Current Portion of Leases	-	0.34	-	-	-	-
Accrued Interest Payable	0.94	1.05	1.27	0.76	0.36	0.28
Other Current Liabilities	-	0.43	0.4	0.3	-	-
Long-Term Debt	37	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	5.65	5.01	2.82	3.07	2.45	2.57
Total Liabilities	891.21	861.84	803.93	763.84	695.59	650.62
Common Stock	4.49	4.49	4.49	4.49	4.49	4.48
Additional Paid-In Capital	14.55	14.55	14.55	14.55	14.55	14.36
Retained Earnings	73.15	70.65	63.81	58.88	53.65	47.79
Treasury Stock	-3.49	-3.49	-3.49	-3.49	-3.49	-3.49
Comprehensive Income & Other	-4.06	-3.75	-5.94	-7.56	-8.73	-2.36
Shareholders' Equity	84.64	82.44	73.42	66.87	60.46	60.77
Total Liabilities & Equity	975.85	944.28	877.35	830.71	756.05	711.39
Total Debt	39.24	42.32	45.09	20.03	27.31	18.68
Net Cash (Debt)	54.65	37.33	19.68	48.68	-14.95	70.34
Net Cash Growth	85.29%	89.70%	-59.58%	-	-	144.06%
Net Cash Per Share	13.18	9.01	4.75	11.74	-3.61	17.02
Filing Date Shares Outstanding	4.14	4.14	4.14	4.14	4.14	4.13
Total Common Shares Outstanding	4.14	4.14	4.14	4.14	4.14	4.13
Book Value Per Share	20.42	19.89	17.71	16.14	14.59	14.70
Tangible Book Value	84.64	82.44	73.42	66.87	60.46	60.77
Tangible Book Value Per Share	20.42	19.89	17.71	16.14	14.59	14.70

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